Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$150,444Cash toward the purchase price.
Closing costs + prepaids$12,182Not just lender fees.
Before credits & paid funds$162,626The complete starting cash picture.
Estimated remaining funds due at closing
$162,626No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,444.23
Your down payment$150,444.23
Closing costs + prepaids$12,182.19
Total buyer cash needed$162,626.42
Remaining funds due$162,626.42
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)$50.01
Prepaid interest, first (12 days)$337.18
Fees + prepaids$12,182.19
Your down payment is the seller’s equity. You take over the $324,556 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $162,626.42 is due at closing. Uses and sources reconcile at $487,182.19 each. Not a Closing Disclosure.