Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$140,259Cash toward the purchase price.
Closing costs + prepaids$14,274Not just lender fees.
Before credits & paid funds$154,533The complete starting cash picture.
Estimated remaining funds due at closing
$154,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,258.85
Your down payment$140,258.85
Closing costs + prepaids$14,274.28
Total buyer cash needed$154,533.13
Remaining funds due$154,533.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,695.00
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)$1,226.25
Prepaid interest, first (30 days)$1,878.03
Fees + prepaids$14,274.28
Your down payment is the seller’s equity. You take over the $329,241 balance, so the rest of the $469,500 price is paid at closing. A second mortgage can cover part of it. $154,533.13 is due at closing. Uses and sources reconcile at $483,774.28 each. Not a Closing Disclosure.