Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$190,388Cash toward the purchase price.
Closing costs + prepaids$14,005Not just lender fees.
Before credits & paid funds$204,393The complete starting cash picture.
Estimated remaining funds due at closing
$204,393No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,387.51
Your down payment$190,387.51
Closing costs + prepaids$14,005.49
Total buyer cash needed$204,393.00
Remaining funds due$204,393.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$1,281.00
Prepaid interest, first (23 days)$1,299.49
Fees + prepaids$14,005.49
Your down payment is the seller’s equity. You take over the $304,612 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $204,393.00 is due at closing. Uses and sources reconcile at $509,005.49 each. Not a Closing Disclosure.