Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$154,137Cash toward the purchase price.
Closing costs + prepaids$12,843Not just lender fees.
Before credits & paid funds$166,980The complete starting cash picture.
Estimated remaining funds due at closing
$166,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,136.61
Your down payment$154,136.61
Closing costs + prepaids$12,843.47
Total buyer cash needed$166,980.08
Remaining funds due$166,980.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.99
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)$600.00
Prepaid interest, first (16 days)$968.48
Fees + prepaids$12,843.47
Your down payment is the seller’s equity. You take over the $325,862 balance, so the rest of the $479,999 price is paid at closing. A second mortgage can cover part of it. $166,980.08 is due at closing. Uses and sources reconcile at $492,842.47 each. Not a Closing Disclosure.