Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$163,957Cash toward the purchase price.
Closing costs + prepaids$12,612Not just lender fees.
Before credits & paid funds$176,569The complete starting cash picture.
Estimated remaining funds due at closing
$176,569No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,956.95
Your down payment$163,956.95
Closing costs + prepaids$12,612.41
Total buyer cash needed$176,569.36
Remaining funds due$176,569.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,720.00
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)$457.00
Initial HOA (3 months)$186.00
Prepaid interest, first (31 days)$774.41
Fees + prepaids$12,612.41
Your down payment is the seller’s equity. You take over the $308,043 balance, so the rest of the $472,000 price is paid at closing. A second mortgage can cover part of it. $176,569.36 is due at closing. Uses and sources reconcile at $484,612.41 each. Not a Closing Disclosure.