Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$155,110Cash toward the purchase price.
Closing costs + prepaids$14,482Not just lender fees.
Before credits & paid funds$169,592The complete starting cash picture.
Estimated remaining funds due at closing
$169,592No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,110.35
Your down payment$155,110.35
Closing costs + prepaids$14,481.88
Total buyer cash needed$169,592.24
Remaining funds due$169,592.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,232.50
Initial HOA (3 months)$284.01
Prepaid interest, first (31 days)$791.37
Fees + prepaids$14,481.88
Your down payment is the seller’s equity. You take over the $314,790 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $169,592.24 is due at closing. Uses and sources reconcile at $484,381.88 each. Not a Closing Disclosure.