Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$163,957Cash toward the purchase price.
Closing costs + prepaids$12,488Not just lender fees.
Before credits & paid funds$176,444The complete starting cash picture.
Estimated remaining funds due at closing
$176,444No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,956.95
Your down payment$163,956.95
Closing costs + prepaids$12,487.51
Total buyer cash needed$176,444.46
Remaining funds due$176,444.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,720.00
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)$457.00
Initial HOA (3 months)$186.00
Prepaid interest, first (26 days)$649.51
Fees + prepaids$12,487.51
Your down payment is the seller’s equity. You take over the $308,043 balance, so the rest of the $472,000 price is paid at closing. A second mortgage can cover part of it. $176,444.46 is due at closing. Uses and sources reconcile at $484,487.51 each. Not a Closing Disclosure.