Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$127,169Cash toward the purchase price.
Closing costs + prepaids$13,773Not just lender fees.
Before credits & paid funds$140,942The complete starting cash picture.
Estimated remaining funds due at closing
$140,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,168.98
Your down payment$127,168.98
Closing costs + prepaids$13,773.21
Total buyer cash needed$140,942.19
Remaining funds due$140,942.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$385.50
Initial HOA (3 months)$210.00
Prepaid interest, first (31 days)$1,952.71
Fees + prepaids$13,773.21
Your down payment is the seller’s equity. You take over the $347,831 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $140,942.19 is due at closing. Uses and sources reconcile at $488,773.21 each. Not a Closing Disclosure.