Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$157,247Cash toward the purchase price.
Closing costs + prepaids$14,343Not just lender fees.
Before credits & paid funds$171,590The complete starting cash picture.
Estimated remaining funds due at closing
$171,590No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,247.06
Your down payment$157,247.06
Closing costs + prepaids$14,342.55
Total buyer cash needed$171,589.61
Remaining funds due$171,589.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,840.00
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)$1,210.00
Initial HOA (3 months)$1,173.00
Prepaid interest, first (25 days)$644.55
Fees + prepaids$14,342.55
Your down payment is the seller’s equity. You take over the $326,753 balance, so the rest of the $484,000 price is paid at closing. A second mortgage can cover part of it. $171,589.61 is due at closing. Uses and sources reconcile at $498,342.55 each. Not a Closing Disclosure.