Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$199,621Cash toward the purchase price.
Closing costs + prepaids$12,821Not just lender fees.
Before credits & paid funds$212,443The complete starting cash picture.
Estimated remaining funds due at closing
$212,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,621.41
Your down payment$199,621.41
Closing costs + prepaids$12,821.27
Total buyer cash needed$212,442.67
Remaining funds due$212,442.67
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)$1,187.50
Prepaid interest, first (18 days)$408.77
Fees + prepaids$12,821.27
Your down payment is the seller’s equity. You take over the $275,379 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $212,442.67 is due at closing. Uses and sources reconcile at $487,821.27 each. Not a Closing Disclosure.