Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$157,777Cash toward the purchase price.
Closing costs + prepaids$13,144Not just lender fees.
Before credits & paid funds$170,921The complete starting cash picture.
Estimated remaining funds due at closing
$170,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,776.73
Your down payment$157,776.73
Closing costs + prepaids$13,144.00
Total buyer cash needed$170,920.73
Remaining funds due$170,920.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$1,187.25
Initial HOA (3 months)$279.99
Prepaid interest, first (22 days)$602.76
Fees + prepaids$13,144.00
Your down payment is the seller’s equity. You take over the $302,123 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $170,920.73 is due at closing. Uses and sources reconcile at $473,044.00 each. Not a Closing Disclosure.