Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$184,877Cash toward the purchase price.
Closing costs + prepaids$12,297Not just lender fees.
Before credits & paid funds$197,174The complete starting cash picture.
Estimated remaining funds due at closing
$197,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,876.80
Your down payment$184,876.80
Closing costs + prepaids$12,297.01
Total buyer cash needed$197,173.81
Remaining funds due$197,173.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$574.75
Initial HOA (3 months)$225.99
Prepaid interest, first (10 days)$231.27
Fees + prepaids$12,297.01
Your down payment is the seller’s equity. You take over the $294,123 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $197,173.81 is due at closing. Uses and sources reconcile at $491,297.01 each. Not a Closing Disclosure.