Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$133,888Cash toward the purchase price.
Closing costs + prepaids$13,829Not just lender fees.
Before credits & paid funds$147,717The complete starting cash picture.
Estimated remaining funds due at closing
$147,717No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,887.61
Your down payment$133,887.61
Closing costs + prepaids$13,828.91
Total buyer cash needed$147,716.52
Remaining funds due$147,716.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$472.75
Initial HOA (3 months)$225.00
Prepaid interest, first (27 days)$1,866.16
Fees + prepaids$13,828.91
Your down payment is the seller’s equity. You take over the $345,112 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $147,716.52 is due at closing. Uses and sources reconcile at $492,828.91 each. Not a Closing Disclosure.