Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$161,804Cash toward the purchase price.
Closing costs + prepaids$12,698Not just lender fees.
Before credits & paid funds$174,503The complete starting cash picture.
Estimated remaining funds due at closing
$174,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,804.41
Your down payment$161,804.41
Closing costs + prepaids$12,698.31
Total buyer cash needed$174,502.72
Remaining funds due$174,502.72
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)$671.50
Prepaid interest, first (28 days)$751.81
Fees + prepaids$12,698.31
Your down payment is the seller’s equity. You take over the $318,196 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $174,502.72 is due at closing. Uses and sources reconcile at $492,698.31 each. Not a Closing Disclosure.