Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$187,008Cash toward the purchase price.
Closing costs + prepaids$14,180Not just lender fees.
Before credits & paid funds$201,188The complete starting cash picture.
Estimated remaining funds due at closing
$201,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,007.78
Your down payment$187,007.78
Closing costs + prepaids$14,179.99
Total buyer cash needed$201,187.77
Remaining funds due$201,187.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.00
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)$2,358.25
Initial HOA (3 months)$12.51
Prepaid interest, first (23 days)$535.23
Fees + prepaids$14,179.99
Your down payment is the seller’s equity. You take over the $292,892 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $201,187.77 is due at closing. Uses and sources reconcile at $494,079.99 each. Not a Closing Disclosure.