Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$148,440Cash toward the purchase price.
Closing costs + prepaids$12,120Not just lender fees.
Before credits & paid funds$160,560The complete starting cash picture.
Estimated remaining funds due at closing
$160,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,440.18
Your down payment$148,440.18
Closing costs + prepaids$12,120.25
Total buyer cash needed$160,560.44
Remaining funds due$160,560.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,840.00
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)$580.75
Prepaid interest, first (6 days)$224.50
Fees + prepaids$12,120.25
Your down payment is the seller’s equity. You take over the $335,560 balance, so the rest of the $484,000 price is paid at closing. A second mortgage can cover part of it. $160,560.44 is due at closing. Uses and sources reconcile at $496,120.25 each. Not a Closing Disclosure.