Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$146,636Cash toward the purchase price.
Closing costs + prepaids$12,206Not just lender fees.
Before credits & paid funds$158,842The complete starting cash picture.
Estimated remaining funds due at closing
$158,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,635.93
Your down payment$146,635.93
Closing costs + prepaids$12,206.32
Total buyer cash needed$158,842.25
Remaining funds due$158,842.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$1,227.50
Initial HOA (3 months)$195.00
Prepaid interest, first (2 days)$59.82
Fees + prepaids$12,206.32
Your down payment is the seller’s equity. You take over the $303,264 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $158,842.25 is due at closing. Uses and sources reconcile at $462,106.32 each. Not a Closing Disclosure.