Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$153,411Cash toward the purchase price.
Closing costs + prepaids$11,422Not just lender fees.
Before credits & paid funds$164,834The complete starting cash picture.
Estimated remaining funds due at closing
$164,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,411.46
Your down payment$153,411.46
Closing costs + prepaids$11,422.31
Total buyer cash needed$164,833.77
Remaining funds due$164,833.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,455.00
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)$717.50
Prepaid interest, first (1 days)$24.81
Fees + prepaids$11,422.31
Your down payment is the seller’s equity. You take over the $292,089 balance, so the rest of the $445,500 price is paid at closing. A second mortgage can cover part of it. $164,833.77 is due at closing. Uses and sources reconcile at $456,922.31 each. Not a Closing Disclosure.