Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$146,841Cash toward the purchase price.
Closing costs + prepaids$11,982Not just lender fees.
Before credits & paid funds$158,823The complete starting cash picture.
Estimated remaining funds due at closing
$158,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,841.07
Your down payment$146,841.07
Closing costs + prepaids$11,982.16
Total buyer cash needed$158,823.24
Remaining funds due$158,823.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$362.50
Initial HOA (3 months)$258.99
Prepaid interest, first (27 days)$636.67
Fees + prepaids$11,982.16
Your down payment is the seller’s equity. You take over the $303,059 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $158,823.24 is due at closing. Uses and sources reconcile at $461,882.16 each. Not a Closing Disclosure.