Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$139,846Cash toward the purchase price.
Closing costs + prepaids$12,936Not just lender fees.
Before credits & paid funds$152,783The complete starting cash picture.
Estimated remaining funds due at closing
$152,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,846.33
Your down payment$139,846.33
Closing costs + prepaids$12,936.44
Total buyer cash needed$152,782.77
Remaining funds due$152,782.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$1,187.50
Prepaid interest, first (18 days)$523.94
Fees + prepaids$12,936.44
Your down payment is the seller’s equity. You take over the $335,154 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $152,782.77 is due at closing. Uses and sources reconcile at $487,936.44 each. Not a Closing Disclosure.