Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$147,210Cash toward the purchase price.
Closing costs + prepaids$11,936Not just lender fees.
Before credits & paid funds$159,146The complete starting cash picture.
Estimated remaining funds due at closing
$159,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,210.42
Your down payment$147,210.42
Closing costs + prepaids$11,935.84
Total buyer cash needed$159,146.26
Remaining funds due$159,146.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,449.00
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)$335.25
Prepaid interest, first (21 days)$926.59
Fees + prepaids$11,935.84
Your down payment is the seller’s equity. You take over the $297,690 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $159,146.26 is due at closing. Uses and sources reconcile at $456,835.84 each. Not a Closing Disclosure.