Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$146,704Cash toward the purchase price.
Closing costs + prepaids$13,316Not just lender fees.
Before credits & paid funds$160,020The complete starting cash picture.
Estimated remaining funds due at closing
$160,020No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,703.91
Your down payment$146,703.91
Closing costs + prepaids$13,315.99
Total buyer cash needed$160,019.91
Remaining funds due$160,019.91
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)$342.75
Prepaid interest, first (31 days)$1,748.24
Fees + prepaids$13,315.99
Your down payment is the seller’s equity. You take over the $328,296 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $160,019.91 is due at closing. Uses and sources reconcile at $488,315.99 each. Not a Closing Disclosure.