Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$177,786Cash toward the purchase price.
Closing costs + prepaids$12,601Not just lender fees.
Before credits & paid funds$190,387The complete starting cash picture.
Estimated remaining funds due at closing
$190,387No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,785.88
Your down payment$177,785.88
Closing costs + prepaids$12,601.48
Total buyer cash needed$190,387.35
Remaining funds due$190,387.35
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)$427.50
Initial HOA (3 months)$780.00
Prepaid interest, first (30 days)$668.98
Fees + prepaids$12,601.48
Your down payment is the seller’s equity. You take over the $272,214 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $190,387.35 is due at closing. Uses and sources reconcile at $462,601.48 each. Not a Closing Disclosure.