Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$186,283Cash toward the purchase price.
Closing costs + prepaids$13,803Not just lender fees.
Before credits & paid funds$200,086The complete starting cash picture.
Estimated remaining funds due at closing
$200,086No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,282.92
Your down payment$186,282.92
Closing costs + prepaids$13,802.78
Total buyer cash needed$200,085.70
Remaining funds due$200,085.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,880.00
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)$1,220.00
Initial HOA (3 months)$585.00
Prepaid interest, first (27 days)$642.78
Fees + prepaids$13,802.78
Your down payment is the seller’s equity. You take over the $301,717 balance, so the rest of the $488,000 price is paid at closing. A second mortgage can cover part of it. $200,085.70 is due at closing. Uses and sources reconcile at $501,802.78 each. Not a Closing Disclosure.