Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$147,018Cash toward the purchase price.
Closing costs + prepaids$12,714Not just lender fees.
Before credits & paid funds$159,733The complete starting cash picture.
Estimated remaining funds due at closing
$159,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,018.35
Your down payment$147,018.35
Closing costs + prepaids$12,714.49
Total buyer cash needed$159,732.84
Remaining funds due$159,732.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.00
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)$1,161.00
Initial HOA (3 months)$207.99
Prepaid interest, first (2 days)$71.50
Fees + prepaids$12,714.49
Your down payment is the seller’s equity. You take over the $332,882 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $159,732.84 is due at closing. Uses and sources reconcile at $492,614.49 each. Not a Closing Disclosure.