Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$119,190Cash toward the purchase price.
Closing costs + prepaids$13,850Not just lender fees.
Before credits & paid funds$133,040The complete starting cash picture.
Estimated remaining funds due at closing
$133,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,190.18
Your down payment$119,190.18
Closing costs + prepaids$13,850.21
Total buyer cash needed$133,040.39
Remaining funds due$133,040.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$495.75
Initial HOA (3 months)$930.00
Prepaid interest, first (20 days)$1,249.46
Fees + prepaids$13,850.21
Your down payment is the seller’s equity. You take over the $350,810 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $133,040.39 is due at closing. Uses and sources reconcile at $483,850.21 each. Not a Closing Disclosure.