Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$151,030Cash toward the purchase price.
Closing costs + prepaids$14,050Not just lender fees.
Before credits & paid funds$165,080The complete starting cash picture.
Estimated remaining funds due at closing
$165,080No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,029.98
Your down payment$151,029.98
Closing costs + prepaids$14,050.49
Total buyer cash needed$165,080.47
Remaining funds due$165,080.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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)$1,222.50
Prepaid interest, first (25 days)$1,462.99
Fees + prepaids$14,050.49
Your down payment is the seller’s equity. You take over the $337,970 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $165,080.47 is due at closing. Uses and sources reconcile at $503,050.49 each. Not a Closing Disclosure.