Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$154,244Cash toward the purchase price.
Closing costs + prepaids$11,542Not just lender fees.
Before credits & paid funds$165,787The complete starting cash picture.
Estimated remaining funds due at closing
$165,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,244.34
Your down payment$154,244.34
Closing costs + prepaids$11,542.33
Total buyer cash needed$165,786.67
Remaining funds due$165,786.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,590.00
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)$435.75
Prepaid interest, first (1 days)$41.58
Fees + prepaids$11,542.33
Your down payment is the seller’s equity. You take over the $304,756 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $165,786.67 is due at closing. Uses and sources reconcile at $470,542.33 each. Not a Closing Disclosure.