Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$193,198Cash toward the purchase price.
Closing costs + prepaids$11,859Not just lender fees.
Before credits & paid funds$205,058The complete starting cash picture.
Estimated remaining funds due at closing
$205,058No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,198.40
Your down payment$193,198.40
Closing costs + prepaids$11,859.24
Total buyer cash needed$205,057.64
Remaining funds due$205,057.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$600.50
Prepaid interest, first (1 days)$33.74
Fees + prepaids$11,859.24
Your down payment is the seller’s equity. You take over the $281,802 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $205,057.64 is due at closing. Uses and sources reconcile at $486,859.24 each. Not a Closing Disclosure.