Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$201,173Cash toward the purchase price.
Closing costs + prepaids$12,484Not just lender fees.
Before credits & paid funds$213,657The complete starting cash picture.
Estimated remaining funds due at closing
$213,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,173.03
Your down payment$201,173.03
Closing costs + prepaids$12,483.51
Total buyer cash needed$213,656.54
Remaining funds due$213,656.54
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)$649.50
Initial HOA (3 months)$33.00
Prepaid interest, first (22 days)$576.01
Fees + prepaids$12,483.51
Your down payment is the seller’s equity. You take over the $273,827 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $213,656.54 is due at closing. Uses and sources reconcile at $487,483.51 each. Not a Closing Disclosure.