Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$150,444Cash toward the purchase price.
Closing costs + prepaids$13,173Not just lender fees.
Before credits & paid funds$163,618The complete starting cash picture.
Estimated remaining funds due at closing
$163,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,444.23
Your down payment$150,444.23
Closing costs + prepaids$13,173.42
Total buyer cash needed$163,617.65
Remaining funds due$163,617.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$1,139.75
Initial HOA (3 months)$50.01
Prepaid interest, first (27 days)$758.66
Fees + prepaids$13,173.42
Your down payment is the seller’s equity. You take over the $324,556 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $163,617.65 is due at closing. Uses and sources reconcile at $488,173.42 each. Not a Closing Disclosure.