Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$145,873Cash toward the purchase price.
Closing costs + prepaids$13,409Not just lender fees.
Before credits & paid funds$159,282The complete starting cash picture.
Estimated remaining funds due at closing
$159,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,872.85
Your down payment$145,872.85
Closing costs + prepaids$13,408.79
Total buyer cash needed$159,281.63
Remaining funds due$159,281.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.90
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)$1,754.50
Initial HOA (3 months)$237.00
Prepaid interest, first (30 days)$692.39
Fees + prepaids$13,408.79
Your down payment is the seller’s equity. You take over the $304,117 balance, so the rest of the $449,990 price is paid at closing. A second mortgage can cover part of it. $159,281.63 is due at closing. Uses and sources reconcile at $463,398.79 each. Not a Closing Disclosure.