Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$158,605Cash toward the purchase price.
Closing costs + prepaids$12,926Not just lender fees.
Before credits & paid funds$171,531The complete starting cash picture.
Estimated remaining funds due at closing
$171,531No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,605.45
Your down payment$158,605.45
Closing costs + prepaids$12,925.98
Total buyer cash needed$171,531.42
Remaining funds due$171,531.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$755.50
Initial HOA (3 months)$282.00
Prepaid interest, first (27 days)$664.48
Fees + prepaids$12,925.98
Your down payment is the seller’s equity. You take over the $316,295 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $171,531.42 is due at closing. Uses and sources reconcile at $487,825.98 each. Not a Closing Disclosure.