Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$152,915Cash toward the purchase price.
Closing costs + prepaids$13,845Not just lender fees.
Before credits & paid funds$166,760The complete starting cash picture.
Estimated remaining funds due at closing
$166,760No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,915.37
Your down payment$152,915.37
Closing costs + prepaids$13,844.86
Total buyer cash needed$166,760.23
Remaining funds due$166,760.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$937.25
Prepaid interest, first (28 days)$1,682.61
Fees + prepaids$13,844.86
Your down payment is the seller’s equity. You take over the $322,085 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $166,760.23 is due at closing. Uses and sources reconcile at $488,844.86 each. Not a Closing Disclosure.