Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$149,110Cash toward the purchase price.
Closing costs + prepaids$13,457Not just lender fees.
Before credits & paid funds$162,567The complete starting cash picture.
Estimated remaining funds due at closing
$162,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,109.76
Your down payment$149,109.76
Closing costs + prepaids$13,457.25
Total buyer cash needed$162,567.01
Remaining funds due$162,567.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$1,294.75
Prepaid interest, first (18 days)$1,037.50
Fees + prepaids$13,457.25
Your down payment is the seller’s equity. You take over the $315,890 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $162,567.01 is due at closing. Uses and sources reconcile at $478,457.25 each. Not a Closing Disclosure.