Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$141,145Cash toward the purchase price.
Closing costs + prepaids$14,816Not just lender fees.
Before credits & paid funds$155,961The complete starting cash picture.
Estimated remaining funds due at closing
$155,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,145.21
Your down payment$141,145.21
Closing costs + prepaids$14,816.04
Total buyer cash needed$155,961.25
Remaining funds due$155,961.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.00
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)$1,199.75
Initial HOA (3 months)$1,449.00
Prepaid interest, first (25 days)$893.29
Fees + prepaids$14,816.04
Your down payment is the seller’s equity. You take over the $338,755 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $155,961.25 is due at closing. Uses and sources reconcile at $494,716.04 each. Not a Closing Disclosure.