Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$151,831Cash toward the purchase price.
Closing costs + prepaids$12,463Not just lender fees.
Before credits & paid funds$164,293The complete starting cash picture.
Estimated remaining funds due at closing
$164,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,830.59
Your down payment$151,830.59
Closing costs + prepaids$12,462.82
Total buyer cash needed$164,293.41
Remaining funds due$164,293.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$570.00
Initial HOA (3 months)$396.00
Prepaid interest, first (10 days)$271.82
Fees + prepaids$12,462.82
Your down payment is the seller’s equity. You take over the $323,169 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $164,293.41 is due at closing. Uses and sources reconcile at $487,462.82 each. Not a Closing Disclosure.