Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$189,608Cash toward the purchase price.
Closing costs + prepaids$13,890Not just lender fees.
Before credits & paid funds$203,498The complete starting cash picture.
Estimated remaining funds due at closing
$203,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,608.15
Your down payment$189,608.15
Closing costs + prepaids$13,890.26
Total buyer cash needed$203,498.41
Remaining funds due$203,498.41
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)$1,684.75
Initial HOA (3 months)$30.00
Prepaid interest, first (30 days)$750.51
Fees + prepaids$13,890.26
Your down payment is the seller’s equity. You take over the $305,392 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $203,498.41 is due at closing. Uses and sources reconcile at $508,890.26 each. Not a Closing Disclosure.