Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$182,806Cash toward the purchase price.
Closing costs + prepaids$12,523Not just lender fees.
Before credits & paid funds$195,329The complete starting cash picture.
Estimated remaining funds due at closing
$195,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,806.14
Your down payment$182,806.14
Closing costs + prepaids$12,523.19
Total buyer cash needed$195,329.33
Remaining funds due$195,329.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,800.00
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)$529.25
Initial HOA (3 months)$45.00
Prepaid interest, first (31 days)$673.94
Fees + prepaids$12,523.19
Your down payment is the seller’s equity. You take over the $297,194 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $195,329.33 is due at closing. Uses and sources reconcile at $492,523.19 each. Not a Closing Disclosure.