Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$143,391Cash toward the purchase price.
Closing costs + prepaids$13,919Not just lender fees.
Before credits & paid funds$157,310The complete starting cash picture.
Estimated remaining funds due at closing
$157,310No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,390.83
Your down payment$143,390.83
Closing costs + prepaids$13,919.44
Total buyer cash needed$157,310.27
Remaining funds due$157,310.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,949.95
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)$615.75
Initial HOA (3 months)$675.00
Prepaid interest, first (22 days)$1,203.74
Fees + prepaids$13,919.44
Your down payment is the seller’s equity. You take over the $351,604 balance, so the rest of the $494,995 price is paid at closing. A second mortgage can cover part of it. $157,310.27 is due at closing. Uses and sources reconcile at $508,914.44 each. Not a Closing Disclosure.