Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$148,534Cash toward the purchase price.
Closing costs + prepaids$13,210Not just lender fees.
Before credits & paid funds$161,744The complete starting cash picture.
Estimated remaining funds due at closing
$161,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,534.34
Your down payment$148,534.34
Closing costs + prepaids$13,209.97
Total buyer cash needed$161,744.31
Remaining funds due$161,744.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,470.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,020.50
Initial HOA (3 months)$471.00
Prepaid interest, first (1 days)$23.47
Fees + prepaids$13,209.97
Your down payment is the seller’s equity. You take over the $298,466 balance, so the rest of the $447,000 price is paid at closing. A second mortgage can cover part of it. $161,744.31 is due at closing. Uses and sources reconcile at $460,209.97 each. Not a Closing Disclosure.