Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$157,339Cash toward the purchase price.
Closing costs + prepaids$14,483Not just lender fees.
Before credits & paid funds$171,822The complete starting cash picture.
Estimated remaining funds due at closing
$171,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,339.01
Your down payment$157,339.01
Closing costs + prepaids$14,482.82
Total buyer cash needed$171,821.83
Remaining funds due$171,821.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.99
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)$2,357.25
Initial HOA (3 months)$210.00
Prepaid interest, first (23 days)$690.58
Fees + prepaids$14,482.82
Your down payment is the seller’s equity. You take over the $317,660 balance, so the rest of the $474,999 price is paid at closing. A second mortgage can cover part of it. $171,821.83 is due at closing. Uses and sources reconcile at $489,481.82 each. Not a Closing Disclosure.