Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$183,439Cash toward the purchase price.
Closing costs + prepaids$11,921Not just lender fees.
Before credits & paid funds$195,360The complete starting cash picture.
Estimated remaining funds due at closing
$195,360No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,439.34
Your down payment$183,439.34
Closing costs + prepaids$11,920.68
Total buyer cash needed$195,360.02
Remaining funds due$195,360.02
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
Initial HOA (3 months)$56.25
Prepaid interest, first (12 days)$599.43
Fees + prepaids$11,920.68
Your down payment is the seller’s equity. You take over the $266,561 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $195,360.02 is due at closing. Uses and sources reconcile at $461,920.68 each. Not a Closing Disclosure.