Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$195,147Cash toward the purchase price.
Closing costs + prepaids$12,237Not just lender fees.
Before credits & paid funds$207,384The complete starting cash picture.
Estimated remaining funds due at closing
$207,384No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,147.12
Your down payment$195,147.12
Closing costs + prepaids$12,236.75
Total buyer cash needed$207,383.88
Remaining funds due$207,383.88
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)$525.00
Prepaid interest, first (22 days)$536.75
Fees + prepaids$12,236.75
Your down payment is the seller’s equity. You take over the $274,853 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $207,383.88 is due at closing. Uses and sources reconcile at $482,236.75 each. Not a Closing Disclosure.