Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$190,682Cash toward the purchase price.
Closing costs + prepaids$12,533Not just lender fees.
Before credits & paid funds$203,215The complete starting cash picture.
Estimated remaining funds due at closing
$203,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,682.38
Your down payment$190,682.38
Closing costs + prepaids$12,532.85
Total buyer cash needed$203,215.23
Remaining funds due$203,215.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,795.00
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)$545.00
Prepaid interest, first (27 days)$717.85
Fees + prepaids$12,532.85
Your down payment is the seller’s equity. You take over the $288,818 balance, so the rest of the $479,500 price is paid at closing. A second mortgage can cover part of it. $203,215.23 is due at closing. Uses and sources reconcile at $492,032.85 each. Not a Closing Disclosure.