Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$165,799Cash toward the purchase price.
Closing costs + prepaids$12,346Not just lender fees.
Before credits & paid funds$178,145The complete starting cash picture.
Estimated remaining funds due at closing
$178,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,798.86
Your down payment$165,798.86
Closing costs + prepaids$12,345.67
Total buyer cash needed$178,144.53
Remaining funds due$178,144.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,800.00
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)$454.75
Prepaid interest, first (27 days)$615.92
Fees + prepaids$12,345.67
Your down payment is the seller’s equity. You take over the $314,201 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $178,144.53 is due at closing. Uses and sources reconcile at $492,345.67 each. Not a Closing Disclosure.