Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$185,662Cash toward the purchase price.
Closing costs + prepaids$13,554Not just lender fees.
Before credits & paid funds$199,216The complete starting cash picture.
Estimated remaining funds due at closing
$199,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,662.02
Your down payment$185,662.02
Closing costs + prepaids$13,553.53
Total buyer cash needed$199,215.55
Remaining funds due$199,215.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,849.00
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)$563.25
Initial HOA (3 months)$216.00
Prepaid interest, first (29 days)$1,450.28
Fees + prepaids$13,553.53
Your down payment is the seller’s equity. You take over the $299,238 balance, so the rest of the $484,900 price is paid at closing. A second mortgage can cover part of it. $199,215.55 is due at closing. Uses and sources reconcile at $498,453.53 each. Not a Closing Disclosure.