Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$182,906Cash toward the purchase price.
Closing costs + prepaids$11,556Not just lender fees.
Before credits & paid funds$194,461The complete starting cash picture.
Estimated remaining funds due at closing
$194,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,905.57
Your down payment$182,905.57
Closing costs + prepaids$11,555.66
Total buyer cash needed$194,461.22
Remaining funds due$194,461.22
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)$290.66
Fees + prepaids$11,555.66
Your down payment is the seller’s equity. You take over the $267,094 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $194,461.22 is due at closing. Uses and sources reconcile at $461,555.66 each. Not a Closing Disclosure.