Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$165,459Cash toward the purchase price.
Closing costs + prepaids$12,618Not just lender fees.
Before credits & paid funds$178,076The complete starting cash picture.
Estimated remaining funds due at closing
$178,076No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,458.59
Your down payment$165,458.59
Closing costs + prepaids$12,617.84
Total buyer cash needed$178,076.43
Remaining funds due$178,076.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$820.00
Initial HOA (3 months)$150.00
Prepaid interest, first (23 days)$522.84
Fees + prepaids$12,617.84
Your down payment is the seller’s equity. You take over the $299,541 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $178,076.43 is due at closing. Uses and sources reconcile at $477,617.84 each. Not a Closing Disclosure.