Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$135,197Cash toward the purchase price.
Closing costs + prepaids$12,803Not just lender fees.
Before credits & paid funds$148,000The complete starting cash picture.
Estimated remaining funds due at closing
$148,000No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,197.16
Your down payment$135,197.16
Closing costs + prepaids$12,802.65
Total buyer cash needed$147,999.82
Remaining funds due$147,999.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,973.70
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)$91.00
Initial HOA (3 months)$360.00
Prepaid interest, first (28 days)$902.95
Fees + prepaids$12,802.65
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $497,370 price is paid at closing. A second mortgage can cover part of it. $147,999.82 is due at closing. Uses and sources reconcile at $510,172.65 each. Not a Closing Disclosure.