Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$155,665Cash toward the purchase price.
Closing costs + prepaids$13,326Not just lender fees.
Before credits & paid funds$168,991The complete starting cash picture.
Estimated remaining funds due at closing
$168,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,665.02
Your down payment$155,665.02
Closing costs + prepaids$13,326.31
Total buyer cash needed$168,991.34
Remaining funds due$168,991.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
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)$1,171.25
Initial HOA (3 months)$126.00
Prepaid interest, first (26 days)$855.06
Fees + prepaids$13,326.31
Your down payment is the seller’s equity. You take over the $314,235 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $168,991.34 is due at closing. Uses and sources reconcile at $483,226.31 each. Not a Closing Disclosure.