Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$181,257Cash toward the purchase price.
Closing costs + prepaids$14,267Not just lender fees.
Before credits & paid funds$195,524The complete starting cash picture.
Estimated remaining funds due at closing
$195,524No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,256.51
Your down payment$181,256.51
Closing costs + prepaids$14,267.12
Total buyer cash needed$195,523.63
Remaining funds due$195,523.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.90
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)$2,164.25
Initial HOA (3 months)$300.00
Prepaid interest, first (27 days)$577.97
Fees + prepaids$14,267.12
Your down payment is the seller’s equity. You take over the $293,733 balance, so the rest of the $474,990 price is paid at closing. A second mortgage can cover part of it. $195,523.63 is due at closing. Uses and sources reconcile at $489,257.12 each. Not a Closing Disclosure.