Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$149,216Cash toward the purchase price.
Closing costs + prepaids$13,725Not just lender fees.
Before credits & paid funds$162,941The complete starting cash picture.
Estimated remaining funds due at closing
$162,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,215.77
Your down payment$149,215.77
Closing costs + prepaids$13,725.04
Total buyer cash needed$162,940.81
Remaining funds due$162,940.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,470.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,020.50
Initial HOA (3 months)$471.00
Prepaid interest, first (23 days)$538.54
Fees + prepaids$13,725.04
Your down payment is the seller’s equity. You take over the $297,784 balance, so the rest of the $447,000 price is paid at closing. A second mortgage can cover part of it. $162,940.81 is due at closing. Uses and sources reconcile at $460,725.04 each. Not a Closing Disclosure.