Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$186,298Cash toward the purchase price.
Closing costs + prepaids$12,444Not just lender fees.
Before credits & paid funds$198,741The complete starting cash picture.
Estimated remaining funds due at closing
$198,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,297.52
Your down payment$186,297.52
Closing costs + prepaids$12,443.69
Total buyer cash needed$198,741.22
Remaining funds due$198,741.22
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)$606.25
Prepaid interest, first (29 days)$612.44
Fees + prepaids$12,443.69
Your down payment is the seller’s equity. You take over the $288,702 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $198,741.22 is due at closing. Uses and sources reconcile at $487,443.69 each. Not a Closing Disclosure.