Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$186,958Cash toward the purchase price.
Closing costs + prepaids$13,030Not just lender fees.
Before credits & paid funds$199,988The complete starting cash picture.
Estimated remaining funds due at closing
$199,988No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,957.98
Your down payment$186,957.98
Closing costs + prepaids$13,030.41
Total buyer cash needed$199,988.39
Remaining funds due$199,988.39
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)$1,187.50
Prepaid interest, first (29 days)$617.91
Fees + prepaids$13,030.41
Your down payment is the seller’s equity. You take over the $288,042 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $199,988.39 is due at closing. Uses and sources reconcile at $488,030.41 each. Not a Closing Disclosure.