Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$165,310Cash toward the purchase price.
Closing costs + prepaids$11,852Not just lender fees.
Before credits & paid funds$177,161The complete starting cash picture.
Estimated remaining funds due at closing
$177,161No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,309.62
Your down payment$165,309.62
Closing costs + prepaids$11,851.84
Total buyer cash needed$177,161.46
Remaining funds due$177,161.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,495.00
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)$539.50
Initial HOA (3 months)$270.00
Prepaid interest, first (12 days)$322.34
Fees + prepaids$11,851.84
Your down payment is the seller’s equity. You take over the $284,190 balance, so the rest of the $449,500 price is paid at closing. A second mortgage can cover part of it. $177,161.46 is due at closing. Uses and sources reconcile at $461,351.84 each. Not a Closing Disclosure.