Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$151,644Cash toward the purchase price.
Closing costs + prepaids$12,420Not just lender fees.
Before credits & paid funds$164,065The complete starting cash picture.
Estimated remaining funds due at closing
$164,065No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,644.49
Your down payment$151,644.49
Closing costs + prepaids$12,420.05
Total buyer cash needed$164,064.54
Remaining funds due$164,064.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$598.75
Prepaid interest, first (12 days)$356.30
Fees + prepaids$12,420.05
Your down payment is the seller’s equity. You take over the $347,356 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $164,064.54 is due at closing. Uses and sources reconcile at $511,420.05 each. Not a Closing Disclosure.