Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$133,060Cash toward the purchase price.
Closing costs + prepaids$14,086Not just lender fees.
Before credits & paid funds$147,146The complete starting cash picture.
Estimated remaining funds due at closing
$147,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,059.91
Your down payment$133,059.91
Closing costs + prepaids$14,086.17
Total buyer cash needed$147,146.08
Remaining funds due$147,146.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$1,559.75
Prepaid interest, first (23 days)$1,401.42
Fees + prepaids$14,086.17
Your down payment is the seller’s equity. You take over the $331,940 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $147,146.08 is due at closing. Uses and sources reconcile at $479,086.17 each. Not a Closing Disclosure.