Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$183,640Cash toward the purchase price.
Closing costs + prepaids$11,917Not just lender fees.
Before credits & paid funds$195,557The complete starting cash picture.
Estimated remaining funds due at closing
$195,557No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,640.41
Your down payment$183,640.41
Closing costs + prepaids$11,916.55
Total buyer cash needed$195,556.96
Remaining funds due$195,556.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,729.00
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)$464.25
Initial HOA (3 months)$225.00
Prepaid interest, first (1 days)$23.30
Fees + prepaids$11,916.55
Your down payment is the seller’s equity. You take over the $289,260 balance, so the rest of the $472,900 price is paid at closing. A second mortgage can cover part of it. $195,556.96 is due at closing. Uses and sources reconcile at $484,816.55 each. Not a Closing Disclosure.