Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$160,451Cash toward the purchase price.
Closing costs + prepaids$11,960Not just lender fees.
Before credits & paid funds$172,411The complete starting cash picture.
Estimated remaining funds due at closing
$172,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,450.98
Your down payment$160,450.98
Closing costs + prepaids$11,960.02
Total buyer cash needed$172,411.00
Remaining funds due$172,411.00
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)$361.00
Initial HOA (3 months)$318.00
Prepaid interest, first (1 days)$56.02
Fees + prepaids$11,960.02
Your down payment is the seller’s equity. You take over the $314,549 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $172,411.00 is due at closing. Uses and sources reconcile at $486,960.02 each. Not a Closing Disclosure.