Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$146,841Cash toward the purchase price.
Closing costs + prepaids$11,841Not just lender fees.
Before credits & paid funds$158,682The complete starting cash picture.
Estimated remaining funds due at closing
$158,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,841.07
Your down payment$146,841.07
Closing costs + prepaids$11,840.68
Total buyer cash needed$158,681.75
Remaining funds due$158,681.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$362.50
Initial HOA (3 months)$258.99
Prepaid interest, first (21 days)$495.19
Fees + prepaids$11,840.68
Your down payment is the seller’s equity. You take over the $303,059 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $158,681.75 is due at closing. Uses and sources reconcile at $461,740.68 each. Not a Closing Disclosure.