Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$145,726Cash toward the purchase price.
Closing costs + prepaids$12,950Not just lender fees.
Before credits & paid funds$158,675The complete starting cash picture.
Estimated remaining funds due at closing
$158,675No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,725.85
Your down payment$145,725.85
Closing costs + prepaids$12,949.55
Total buyer cash needed$158,675.40
Remaining funds due$158,675.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$542.25
Initial HOA (3 months)$384.99
Prepaid interest, first (26 days)$1,347.31
Fees + prepaids$12,949.55
Your down payment is the seller’s equity. You take over the $299,274 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $158,675.40 is due at closing. Uses and sources reconcile at $457,949.55 each. Not a Closing Disclosure.