Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$193,851Cash toward the purchase price.
Closing costs + prepaids$13,221Not just lender fees.
Before credits & paid funds$207,072The complete starting cash picture.
Estimated remaining funds due at closing
$207,072No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,850.94
Your down payment$193,850.94
Closing costs + prepaids$13,221.33
Total buyer cash needed$207,072.28
Remaining funds due$207,072.28
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)$1,027.25
Initial HOA (3 months)$54.00
Prepaid interest, first (27 days)$915.08
Fees + prepaids$13,221.33
Your down payment is the seller’s equity. You take over the $281,149 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $207,072.28 is due at closing. Uses and sources reconcile at $488,221.33 each. Not a Closing Disclosure.