Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$184,333Cash toward the purchase price.
Closing costs + prepaids$12,498Not just lender fees.
Before credits & paid funds$196,831The complete starting cash picture.
Estimated remaining funds due at closing
$196,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,332.95
Your down payment$184,332.95
Closing costs + prepaids$12,497.58
Total buyer cash needed$196,830.53
Remaining funds due$196,830.53
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 (26 days)$604.33
Fees + prepaids$12,497.58
Your down payment is the seller’s equity. You take over the $288,567 balance, so the rest of the $472,900 price is paid at closing. A second mortgage can cover part of it. $196,830.53 is due at closing. Uses and sources reconcile at $485,397.58 each. Not a Closing Disclosure.