Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$185,187Cash toward the purchase price.
Closing costs + prepaids$12,748Not just lender fees.
Before credits & paid funds$197,934The complete starting cash picture.
Estimated remaining funds due at closing
$197,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,186.89
Your down payment$185,186.89
Closing costs + prepaids$12,747.59
Total buyer cash needed$197,934.48
Remaining funds due$197,934.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,970.00
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)$596.50
Initial HOA (3 months)$213.00
Prepaid interest, first (12 days)$493.09
Fees + prepaids$12,747.59
Your down payment is the seller’s equity. You take over the $311,813 balance, so the rest of the $497,000 price is paid at closing. A second mortgage can cover part of it. $197,934.48 is due at closing. Uses and sources reconcile at $509,747.59 each. Not a Closing Disclosure.