Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$194,572Cash toward the purchase price.
Closing costs + prepaids$11,661Not just lender fees.
Before credits & paid funds$206,233The complete starting cash picture.
Estimated remaining funds due at closing
$206,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,571.89
Your down payment$194,571.89
Closing costs + prepaids$11,660.80
Total buyer cash needed$206,232.69
Remaining funds due$206,232.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$534.00
Initial HOA (3 months)$120.00
Prepaid interest, first (12 days)$331.80
Fees + prepaids$11,660.80
Your down payment is the seller’s equity. You take over the $250,428 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $206,232.69 is due at closing. Uses and sources reconcile at $456,660.80 each. Not a Closing Disclosure.