Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$162,540Cash toward the purchase price.
Closing costs + prepaids$12,583Not just lender fees.
Before credits & paid funds$175,123The complete starting cash picture.
Estimated remaining funds due at closing
$175,123No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,539.50
Your down payment$162,539.50
Closing costs + prepaids$12,583.15
Total buyer cash needed$175,122.66
Remaining funds due$175,122.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$1,238.50
Prepaid interest, first (28 days)$619.65
Fees + prepaids$12,583.15
Your down payment is the seller’s equity. You take over the $287,460 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $175,122.66 is due at closing. Uses and sources reconcile at $462,583.15 each. Not a Closing Disclosure.