Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$184,447Cash toward the purchase price.
Closing costs + prepaids$12,993Not just lender fees.
Before credits & paid funds$197,440The complete starting cash picture.
Estimated remaining funds due at closing
$197,440No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,446.94
Your down payment$184,446.94
Closing costs + prepaids$12,992.91
Total buyer cash needed$197,439.85
Remaining funds due$197,439.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$741.50
Initial HOA (3 months)$150.00
Prepaid interest, first (30 days)$676.41
Fees + prepaids$12,992.91
Your down payment is the seller’s equity. You take over the $310,553 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $197,439.85 is due at closing. Uses and sources reconcile at $507,992.91 each. Not a Closing Disclosure.