Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$184,389Cash toward the purchase price.
Closing costs + prepaids$13,257Not just lender fees.
Before credits & paid funds$197,646The complete starting cash picture.
Estimated remaining funds due at closing
$197,646No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,388.59
Your down payment$184,388.59
Closing costs + prepaids$13,257.23
Total buyer cash needed$197,645.81
Remaining funds due$197,645.81
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)$1,175.00
Prepaid interest, first (31 days)$907.23
Fees + prepaids$13,257.23
Your down payment is the seller’s equity. You take over the $285,611 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $197,645.81 is due at closing. Uses and sources reconcile at $483,257.23 each. Not a Closing Disclosure.