Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$140,617Cash toward the purchase price.
Closing costs + prepaids$13,664Not just lender fees.
Before credits & paid funds$154,281The complete starting cash picture.
Estimated remaining funds due at closing
$154,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,617.42
Your down payment$140,617.42
Closing costs + prepaids$13,663.58
Total buyer cash needed$154,281.01
Remaining funds due$154,281.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,640.00
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)$1,846.00
Prepaid interest, first (26 days)$702.58
Fees + prepaids$13,663.58
Your down payment is the seller’s equity. You take over the $323,383 balance, so the rest of the $464,000 price is paid at closing. A second mortgage can cover part of it. $154,281.01 is due at closing. Uses and sources reconcile at $477,663.58 each. Not a Closing Disclosure.