Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$189,163Cash toward the purchase price.
Closing costs + prepaids$12,835Not just lender fees.
Before credits & paid funds$201,998The complete starting cash picture.
Estimated remaining funds due at closing
$201,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,163.47
Your down payment$189,163.47
Closing costs + prepaids$12,834.57
Total buyer cash needed$201,998.04
Remaining funds due$201,998.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,850.00
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)$926.00
Prepaid interest, first (25 days)$583.57
Fees + prepaids$12,834.57
Your down payment is the seller’s equity. You take over the $295,837 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $201,998.04 is due at closing. Uses and sources reconcile at $497,834.57 each. Not a Closing Disclosure.