Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$192,514Cash toward the purchase price.
Closing costs + prepaids$12,597Not just lender fees.
Before credits & paid funds$205,112The complete starting cash picture.
Estimated remaining funds due at closing
$205,112No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,514.22
Your down payment$192,514.22
Closing costs + prepaids$12,597.43
Total buyer cash needed$205,111.65
Remaining funds due$205,111.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,830.00
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)$702.25
Initial HOA (3 months)$126.99
Prepaid interest, first (20 days)$463.19
Fees + prepaids$12,597.43
Your down payment is the seller’s equity. You take over the $290,486 balance, so the rest of the $483,000 price is paid at closing. A second mortgage can cover part of it. $205,111.65 is due at closing. Uses and sources reconcile at $495,597.43 each. Not a Closing Disclosure.