Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$157,879Cash toward the purchase price.
Closing costs + prepaids$12,286Not just lender fees.
Before credits & paid funds$170,165The complete starting cash picture.
Estimated remaining funds due at closing
$170,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,878.63
Your down payment$157,878.63
Closing costs + prepaids$12,286.17
Total buyer cash needed$170,164.80
Remaining funds due$170,164.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$755.50
Initial HOA (3 months)$282.00
Prepaid interest, first (1 days)$24.67
Fees + prepaids$12,286.17
Your down payment is the seller’s equity. You take over the $317,021 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $170,164.80 is due at closing. Uses and sources reconcile at $487,186.17 each. Not a Closing Disclosure.