Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$151,831Cash toward the purchase price.
Closing costs + prepaids$12,436Not just lender fees.
Before credits & paid funds$164,266The complete starting cash picture.
Estimated remaining funds due at closing
$164,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,830.59
Your down payment$151,830.59
Closing costs + prepaids$12,435.63
Total buyer cash needed$164,266.23
Remaining funds due$164,266.23
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)$396.00
Prepaid interest, first (9 days)$244.63
Fees + prepaids$12,435.63
Your down payment is the seller’s equity. You take over the $323,169 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $164,266.23 is due at closing. Uses and sources reconcile at $487,435.63 each. Not a Closing Disclosure.