Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$153,325Cash toward the purchase price.
Closing costs + prepaids$12,355Not just lender fees.
Before credits & paid funds$165,680The complete starting cash picture.
Estimated remaining funds due at closing
$165,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,324.77
Your down payment$153,324.77
Closing costs + prepaids$12,354.80
Total buyer cash needed$165,679.58
Remaining funds due$165,679.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,640.00
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)$652.50
Prepaid interest, first (23 days)$587.30
Fees + prepaids$12,354.80
Your down payment is the seller’s equity. You take over the $310,675 balance, so the rest of the $464,000 price is paid at closing. A second mortgage can cover part of it. $165,679.58 is due at closing. Uses and sources reconcile at $476,354.80 each. Not a Closing Disclosure.