Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$137,525Cash toward the purchase price.
Closing costs + prepaids$13,083Not just lender fees.
Before credits & paid funds$150,608The complete starting cash picture.
Estimated remaining funds due at closing
$150,608No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,525.14
Your down payment$137,525.14
Closing costs + prepaids$13,082.73
Total buyer cash needed$150,607.87
Remaining funds due$150,607.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,753.00
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)$530.00
Initial HOA (3 months)$567.00
Prepaid interest, first (23 days)$757.73
Fees + prepaids$13,082.73
Your down payment is the seller’s equity. You take over the $337,775 balance, so the rest of the $475,300 price is paid at closing. A second mortgage can cover part of it. $150,607.87 is due at closing. Uses and sources reconcile at $488,382.73 each. Not a Closing Disclosure.