Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$146,770Cash toward the purchase price.
Closing costs + prepaids$11,053Not just lender fees.
Before credits & paid funds$157,823The complete starting cash picture.
Estimated remaining funds due at closing
$157,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,769.87
Your down payment$146,769.87
Closing costs + prepaids$11,053.44
Total buyer cash needed$157,823.31
Remaining funds due$157,823.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,449.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$335.25
Prepaid interest, first (1 days)$44.19
Fees + prepaids$11,053.44
Your down payment is the seller’s equity. You take over the $298,130 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $157,823.31 is due at closing. Uses and sources reconcile at $455,953.44 each. Not a Closing Disclosure.