Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$139,711Cash toward the purchase price.
Closing costs + prepaids$11,634Not just lender fees.
Before credits & paid funds$151,345The complete starting cash picture.
Estimated remaining funds due at closing
$151,345No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,711.00
Your down payment$139,711.00
Closing costs + prepaids$11,634.19
Total buyer cash needed$151,345.19
Remaining funds due$151,345.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$431.50
Prepaid interest, first (1 days)$27.69
Fees + prepaids$11,634.19
Your down payment is the seller’s equity. You take over the $330,289 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $151,345.19 is due at closing. Uses and sources reconcile at $481,634.19 each. Not a Closing Disclosure.