Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$183,533Cash toward the purchase price.
Closing costs + prepaids$12,665Not just lender fees.
Before credits & paid funds$196,197The complete starting cash picture.
Estimated remaining funds due at closing
$196,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,532.60
Your down payment$183,532.60
Closing costs + prepaids$12,664.81
Total buyer cash needed$196,197.41
Remaining funds due$196,197.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$550.25
Initial HOA (3 months)$189.00
Prepaid interest, first (31 days)$700.56
Fees + prepaids$12,664.81
Your down payment is the seller’s equity. You take over the $291,467 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $196,197.41 is due at closing. Uses and sources reconcile at $487,664.81 each. Not a Closing Disclosure.