Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$168,134Cash toward the purchase price.
Closing costs + prepaids$13,133Not just lender fees.
Before credits & paid funds$181,267The complete starting cash picture.
Estimated remaining funds due at closing
$181,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,133.79
Your down payment$168,133.79
Closing costs + prepaids$13,132.88
Total buyer cash needed$181,266.67
Remaining funds due$181,266.67
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)$1,851.75
Initial HOA (3 months)$63.24
Prepaid interest, first (2 days)$47.89
Fees + prepaids$13,132.88
Your down payment is the seller’s equity. You take over the $301,366 balance, so the rest of the $469,500 price is paid at closing. A second mortgage can cover part of it. $181,266.67 is due at closing. Uses and sources reconcile at $482,632.88 each. Not a Closing Disclosure.