Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$181,131Cash toward the purchase price.
Closing costs + prepaids$11,594Not just lender fees.
Before credits & paid funds$192,724The complete starting cash picture.
Estimated remaining funds due at closing
$192,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,130.62
Your down payment$181,130.62
Closing costs + prepaids$11,593.83
Total buyer cash needed$192,724.45
Remaining funds due$192,724.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.00
Prepaid interest, first (12 days)$328.83
Fees + prepaids$11,593.83
Your down payment is the seller’s equity. You take over the $268,869 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $192,724.45 is due at closing. Uses and sources reconcile at $461,593.83 each. Not a Closing Disclosure.