Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$163,248Cash toward the purchase price.
Closing costs + prepaids$11,863Not just lender fees.
Before credits & paid funds$175,111The complete starting cash picture.
Estimated remaining funds due at closing
$175,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,247.50
Your down payment$163,247.50
Closing costs + prepaids$11,863.04
Total buyer cash needed$175,110.54
Remaining funds due$175,110.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,720.00
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)$457.00
Initial HOA (3 months)$186.00
Prepaid interest, first (1 days)$25.04
Fees + prepaids$11,863.04
Your down payment is the seller’s equity. You take over the $308,752 balance, so the rest of the $472,000 price is paid at closing. A second mortgage can cover part of it. $175,110.54 is due at closing. Uses and sources reconcile at $483,863.04 each. Not a Closing Disclosure.