Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$134,877Cash toward the purchase price.
Closing costs + prepaids$12,972Not just lender fees.
Before credits & paid funds$147,849The complete starting cash picture.
Estimated remaining funds due at closing
$147,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,877.40
Your down payment$134,877.40
Closing costs + prepaids$12,971.50
Total buyer cash needed$147,848.90
Remaining funds due$147,848.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$859.75
Initial HOA (3 months)$54.99
Prepaid interest, first (26 days)$791.76
Fees + prepaids$12,971.50
Your down payment is the seller’s equity. You take over the $344,123 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $147,848.90 is due at closing. Uses and sources reconcile at $491,971.50 each. Not a Closing Disclosure.