Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$134,473Cash toward the purchase price.
Closing costs + prepaids$12,755Not just lender fees.
Before credits & paid funds$147,228The complete starting cash picture.
Estimated remaining funds due at closing
$147,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,473.37
Your down payment$134,473.37
Closing costs + prepaids$12,754.61
Total buyer cash needed$147,227.97
Remaining funds due$147,227.97
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)$581.25
Prepaid interest, first (17 days)$1,048.36
Fees + prepaids$12,754.61
Your down payment is the seller’s equity. You take over the $330,527 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $147,227.97 is due at closing. Uses and sources reconcile at $477,754.61 each. Not a Closing Disclosure.