Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$150,459Cash toward the purchase price.
Closing costs + prepaids$14,589Not just lender fees.
Before credits & paid funds$165,048The complete starting cash picture.
Estimated remaining funds due at closing
$165,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,459.24
Your down payment$150,459.24
Closing costs + prepaids$14,589.24
Total buyer cash needed$165,048.48
Remaining funds due$165,048.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.00
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)$1,683.00
Initial HOA (3 months)$168.00
Prepaid interest, first (27 days)$1,614.24
Fees + prepaids$14,589.24
Your down payment is the seller’s equity. You take over the $314,441 balance, so the rest of the $464,900 price is paid at closing. A second mortgage can cover part of it. $165,048.48 is due at closing. Uses and sources reconcile at $479,489.24 each. Not a Closing Disclosure.