Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$190,101Cash toward the purchase price.
Closing costs + prepaids$12,763Not just lender fees.
Before credits & paid funds$202,864The complete starting cash picture.
Estimated remaining funds due at closing
$202,864No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,101.03
Your down payment$190,101.03
Closing costs + prepaids$12,762.55
Total buyer cash needed$202,863.58
Remaining funds due$202,863.58
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)$1,281.00
Prepaid interest, first (1 days)$56.55
Fees + prepaids$12,762.55
Your down payment is the seller’s equity. You take over the $304,899 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $202,863.58 is due at closing. Uses and sources reconcile at $507,762.55 each. Not a Closing Disclosure.