Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$152,061Cash toward the purchase price.
Closing costs + prepaids$12,204Not just lender fees.
Before credits & paid funds$164,265The complete starting cash picture.
Estimated remaining funds due at closing
$164,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,061.13
Your down payment$152,061.13
Closing costs + prepaids$12,204.15
Total buyer cash needed$164,265.28
Remaining funds due$164,265.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$564.00
Prepaid interest, first (12 days)$465.15
Fees + prepaids$12,204.15
Your down payment is the seller’s equity. You take over the $317,939 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $164,265.28 is due at closing. Uses and sources reconcile at $482,204.15 each. Not a Closing Disclosure.