Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$149,095Cash toward the purchase price.
Closing costs + prepaids$12,361Not just lender fees.
Before credits & paid funds$161,455The complete starting cash picture.
Estimated remaining funds due at closing
$161,455No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,094.63
Your down payment$149,094.63
Closing costs + prepaids$12,360.59
Total buyer cash needed$161,455.22
Remaining funds due$161,455.22
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)$453.50
Prepaid interest, first (19 days)$842.09
Fees + prepaids$12,360.59
Your down payment is the seller’s equity. You take over the $309,905 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $161,455.22 is due at closing. Uses and sources reconcile at $471,360.59 each. Not a Closing Disclosure.