Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$204,903Cash toward the purchase price.
Closing costs + prepaids$12,761Not just lender fees.
Before credits & paid funds$217,664The complete starting cash picture.
Estimated remaining funds due at closing
$217,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,903.04
Your down payment$204,903.04
Closing costs + prepaids$12,761.38
Total buyer cash needed$217,664.42
Remaining funds due$217,664.42
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)$368.75
Prepaid interest, first (31 days)$1,167.63
Fees + prepaids$12,761.38
Your down payment is the seller’s equity. You take over the $270,097 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $217,664.42 is due at closing. Uses and sources reconcile at $487,761.38 each. Not a Closing Disclosure.