Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$172,867Cash toward the purchase price.
Closing costs + prepaids$12,426Not just lender fees.
Before credits & paid funds$185,293The complete starting cash picture.
Estimated remaining funds due at closing
$185,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,867.07
Your down payment$172,867.07
Closing costs + prepaids$12,425.93
Total buyer cash needed$185,293.00
Remaining funds due$185,293.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$559.25
Initial HOA (3 months)$37.50
Prepaid interest, first (28 days)$654.18
Fees + prepaids$12,425.93
Your down payment is the seller’s equity. You take over the $297,133 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $185,293.00 is due at closing. Uses and sources reconcile at $482,425.93 each. Not a Closing Disclosure.