Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$184,877Cash toward the purchase price.
Closing costs + prepaids$12,356Not just lender fees.
Before credits & paid funds$197,232The complete starting cash picture.
Estimated remaining funds due at closing
$197,232No 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$12,355.53
Total buyer cash needed$197,232.33
Remaining funds due$197,232.33
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)$402.00
Initial HOA (3 months)$225.99
Prepaid interest, first (20 days)$462.54
Fees + prepaids$12,355.53
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. $197,232.33 is due at closing. Uses and sources reconcile at $491,355.53 each. Not a Closing Disclosure.