Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$193,189Cash toward the purchase price.
Closing costs + prepaids$12,113Not just lender fees.
Before credits & paid funds$205,302The complete starting cash picture.
Estimated remaining funds due at closing
$205,302No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,189.00
Your down payment$193,189.00
Closing costs + prepaids$12,113.29
Total buyer cash needed$205,302.29
Remaining funds due$205,302.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,670.00
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)$560.50
Prepaid interest, first (12 days)$407.79
Fees + prepaids$12,113.29
Your down payment is the seller’s equity. You take over the $273,811 balance, so the rest of the $467,000 price is paid at closing. A second mortgage can cover part of it. $205,302.29 is due at closing. Uses and sources reconcile at $479,113.29 each. Not a Closing Disclosure.