Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$191,814Cash toward the purchase price.
Closing costs + prepaids$12,157Not just lender fees.
Before credits & paid funds$203,972The complete starting cash picture.
Estimated remaining funds due at closing
$203,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,814.28
Your down payment$191,814.28
Closing costs + prepaids$12,157.46
Total buyer cash needed$203,971.74
Remaining funds due$203,971.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,830.00
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)$702.25
Initial HOA (3 months)$126.99
Prepaid interest, first (1 days)$23.22
Fees + prepaids$12,157.46
Your down payment is the seller’s equity. You take over the $291,186 balance, so the rest of the $483,000 price is paid at closing. A second mortgage can cover part of it. $203,971.74 is due at closing. Uses and sources reconcile at $495,157.46 each. Not a Closing Disclosure.