Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$181,952Cash toward the purchase price.
Closing costs + prepaids$12,969Not just lender fees.
Before credits & paid funds$194,920The complete starting cash picture.
Estimated remaining funds due at closing
$194,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,951.54
Your down payment$181,951.54
Closing costs + prepaids$12,968.52
Total buyer cash needed$194,920.06
Remaining funds due$194,920.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,709.00
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)$908.75
Initial HOA (3 months)$210.00
Prepaid interest, first (29 days)$665.77
Fees + prepaids$12,968.52
Your down payment is the seller’s equity. You take over the $288,948 balance, so the rest of the $470,900 price is paid at closing. A second mortgage can cover part of it. $194,920.06 is due at closing. Uses and sources reconcile at $483,868.52 each. Not a Closing Disclosure.