Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$138,099Cash toward the purchase price.
Closing costs + prepaids$13,635Not just lender fees.
Before credits & paid funds$151,734The complete starting cash picture.
Estimated remaining funds due at closing
$151,734No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,098.97
Your down payment$138,098.97
Closing costs + prepaids$13,634.63
Total buyer cash needed$151,733.60
Remaining funds due$151,733.60
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)$399.75
Initial HOA (3 months)$150.00
Prepaid interest, first (31 days)$1,859.88
Fees + prepaids$13,634.63
Your down payment is the seller’s equity. You take over the $336,901 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $151,733.60 is due at closing. Uses and sources reconcile at $488,634.63 each. Not a Closing Disclosure.