Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$151,787Cash toward the purchase price.
Closing costs + prepaids$11,534Not just lender fees.
Before credits & paid funds$163,321The complete starting cash picture.
Estimated remaining funds due at closing
$163,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,787.15
Your down payment$151,787.15
Closing costs + prepaids$11,533.56
Total buyer cash needed$163,320.72
Remaining funds due$163,320.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$386.50
Prepaid interest, first (18 days)$422.07
Fees + prepaids$11,533.56
Your down payment is the seller’s equity. You take over the $298,212 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $163,320.72 is due at closing. Uses and sources reconcile at $461,532.56 each. Not a Closing Disclosure.