Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$182,303Cash toward the purchase price.
Closing costs + prepaids$12,024Not just lender fees.
Before credits & paid funds$194,327The complete starting cash picture.
Estimated remaining funds due at closing
$194,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,303.06
Your down payment$182,303.06
Closing costs + prepaids$12,024.38
Total buyer cash needed$194,327.44
Remaining funds due$194,327.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$570.00
Initial HOA (3 months)$50.01
Prepaid interest, first (6 days)$180.37
Fees + prepaids$12,024.38
Your down payment is the seller’s equity. You take over the $292,597 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $194,327.44 is due at closing. Uses and sources reconcile at $486,924.38 each. Not a Closing Disclosure.