Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$196,268Cash toward the purchase price.
Closing costs + prepaids$11,947Not just lender fees.
Before credits & paid funds$208,215The complete starting cash picture.
Estimated remaining funds due at closing
$208,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,267.52
Your down payment$196,267.52
Closing costs + prepaids$11,947.35
Total buyer cash needed$208,214.87
Remaining funds due$208,214.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$437.25
Initial HOA (3 months)$291.00
Prepaid interest, first (2 days)$44.10
Fees + prepaids$11,947.35
Your down payment is the seller’s equity. You take over the $273,732 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $208,214.87 is due at closing. Uses and sources reconcile at $481,947.35 each. Not a Closing Disclosure.