Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$154,734Cash toward the purchase price.
Closing costs + prepaids$12,331Not just lender fees.
Before credits & paid funds$167,065The complete starting cash picture.
Estimated remaining funds due at closing
$167,065No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,734.42
Your down payment$154,734.42
Closing costs + prepaids$12,331.02
Total buyer cash needed$167,065.44
Remaining funds due$167,065.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,590.00
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)$435.75
Prepaid interest, first (20 days)$830.27
Fees + prepaids$12,331.02
Your down payment is the seller’s equity. You take over the $304,266 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $167,065.44 is due at closing. Uses and sources reconcile at $471,331.02 each. Not a Closing Disclosure.