Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$151,723Cash toward the purchase price.
Closing costs + prepaids$12,489Not just lender fees.
Before credits & paid funds$164,211The complete starting cash picture.
Estimated remaining funds due at closing
$164,211No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,722.61
Your down payment$151,722.61
Closing costs + prepaids$12,488.68
Total buyer cash needed$164,211.29
Remaining funds due$164,211.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$575.00
Prepaid interest, first (15 days)$839.68
Fees + prepaids$12,488.68
Your down payment is the seller’s equity. You take over the $308,177 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $164,211.29 is due at closing. Uses and sources reconcile at $472,388.68 each. Not a Closing Disclosure.