Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$176,902Cash toward the purchase price.
Closing costs + prepaids$11,943Not just lender fees.
Before credits & paid funds$188,846The complete starting cash picture.
Estimated remaining funds due at closing
$188,846No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,902.25
Your down payment$176,902.25
Closing costs + prepaids$11,943.47
Total buyer cash needed$188,845.72
Remaining funds due$188,845.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$558.00
Prepaid interest, first (12 days)$260.47
Fees + prepaids$11,943.47
Your down payment is the seller’s equity. You take over the $288,098 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $188,845.72 is due at closing. Uses and sources reconcile at $476,943.47 each. Not a Closing Disclosure.