Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$157,884Cash toward the purchase price.
Closing costs + prepaids$12,380Not just lender fees.
Before credits & paid funds$170,264The complete starting cash picture.
Estimated remaining funds due at closing
$170,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,883.71
Your down payment$157,883.71
Closing costs + prepaids$12,379.82
Total buyer cash needed$170,263.53
Remaining funds due$170,263.53
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)$801.25
Initial HOA (3 months)$378.00
Prepaid interest, first (1 days)$25.57
Fees + prepaids$12,379.82
Your down payment is the seller’s equity. You take over the $312,116 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $170,263.53 is due at closing. Uses and sources reconcile at $482,379.82 each. Not a Closing Disclosure.