Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$160,025Cash toward the purchase price.
Closing costs + prepaids$13,991Not just lender fees.
Before credits & paid funds$174,016The complete starting cash picture.
Estimated remaining funds due at closing
$174,016No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,025.48
Your down payment$160,025.48
Closing costs + prepaids$13,990.82
Total buyer cash needed$174,016.30
Remaining funds due$174,016.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,788.00
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)$1,197.00
Prepaid interest, first (28 days)$1,530.82
Fees + prepaids$13,990.82
Your down payment is the seller’s equity. You take over the $318,775 balance, so the rest of the $478,800 price is paid at closing. A second mortgage can cover part of it. $174,016.30 is due at closing. Uses and sources reconcile at $492,790.82 each. Not a Closing Disclosure.