Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$148,478Cash toward the purchase price.
Closing costs + prepaids$13,748Not just lender fees.
Before credits & paid funds$162,225The complete starting cash picture.
Estimated remaining funds due at closing
$162,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,477.78
Your down payment$148,477.78
Closing costs + prepaids$13,747.62
Total buyer cash needed$162,225.40
Remaining funds due$162,225.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,949.00
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)$596.25
Prepaid interest, first (28 days)$1,727.37
Fees + prepaids$13,747.62
Your down payment is the seller’s equity. You take over the $346,422 balance, so the rest of the $494,900 price is paid at closing. A second mortgage can cover part of it. $162,225.40 is due at closing. Uses and sources reconcile at $508,647.62 each. Not a Closing Disclosure.