Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$153,554Cash toward the purchase price.
Closing costs + prepaids$12,991Not just lender fees.
Before credits & paid funds$166,544The complete starting cash picture.
Estimated remaining funds due at closing
$166,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,553.56
Your down payment$153,553.56
Closing costs + prepaids$12,990.79
Total buyer cash needed$166,544.35
Remaining funds due$166,544.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,695.00
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)$1,173.75
Prepaid interest, first (25 days)$647.04
Fees + prepaids$12,990.79
Your down payment is the seller’s equity. You take over the $315,946 balance, so the rest of the $469,500 price is paid at closing. A second mortgage can cover part of it. $166,544.35 is due at closing. Uses and sources reconcile at $482,490.79 each. Not a Closing Disclosure.