Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$158,605Cash toward the purchase price.
Closing costs + prepaids$12,322Not just lender fees.
Before credits & paid funds$170,928The complete starting cash picture.
Estimated remaining funds due at closing
$170,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,605.45
Your down payment$158,605.45
Closing costs + prepaids$12,322.10
Total buyer cash needed$170,927.55
Remaining funds due$170,927.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$282.00
Prepaid interest, first (10 days)$246.10
Fees + prepaids$12,322.10
Your down payment is the seller’s equity. You take over the $316,295 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $170,927.55 is due at closing. Uses and sources reconcile at $487,222.10 each. Not a Closing Disclosure.