Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$171,087Cash toward the purchase price.
Closing costs + prepaids$14,137Not just lender fees.
Before credits & paid funds$185,225The complete starting cash picture.
Estimated remaining funds due at closing
$185,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,087.46
Your down payment$171,087.46
Closing costs + prepaids$14,137.19
Total buyer cash needed$185,224.65
Remaining funds due$185,224.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$1,437.00
Prepaid interest, first (24 days)$1,525.19
Fees + prepaids$14,137.19
Your down payment is the seller’s equity. You take over the $298,913 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $185,224.65 is due at closing. Uses and sources reconcile at $484,137.19 each. Not a Closing Disclosure.