Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$133,888Cash toward the purchase price.
Closing costs + prepaids$12,756Not just lender fees.
Before credits & paid funds$146,644The complete starting cash picture.
Estimated remaining funds due at closing
$146,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,887.61
Your down payment$133,887.61
Closing costs + prepaids$12,755.92
Total buyer cash needed$146,643.53
Remaining funds due$146,643.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$574.75
Initial HOA (3 months)$225.00
Prepaid interest, first (10 days)$691.17
Fees + prepaids$12,755.92
Your down payment is the seller’s equity. You take over the $345,112 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $146,643.53 is due at closing. Uses and sources reconcile at $491,755.92 each. Not a Closing Disclosure.