Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$140,460Cash toward the purchase price.
Closing costs + prepaids$12,159Not just lender fees.
Before credits & paid funds$152,619The complete starting cash picture.
Estimated remaining funds due at closing
$152,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,459.56
Your down payment$140,459.56
Closing costs + prepaids$12,159.04
Total buyer cash needed$152,618.61
Remaining funds due$152,618.61
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)$431.50
Prepaid interest, first (20 days)$552.54
Fees + prepaids$12,159.04
Your down payment is the seller’s equity. You take over the $329,540 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $152,618.61 is due at closing. Uses and sources reconcile at $482,159.04 each. Not a Closing Disclosure.