Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$181,709Cash toward the purchase price.
Closing costs + prepaids$12,326Not just lender fees.
Before credits & paid funds$194,034The complete starting cash picture.
Estimated remaining funds due at closing
$194,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,708.53
Your down payment$181,708.53
Closing costs + prepaids$12,325.77
Total buyer cash needed$194,034.29
Remaining funds due$194,034.29
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)$564.75
Initial HOA (3 months)$393.00
Prepaid interest, first (27 days)$643.02
Fees + prepaids$12,325.77
Your down payment is the seller’s equity. You take over the $268,291 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $194,034.29 is due at closing. Uses and sources reconcile at $462,325.77 each. Not a Closing Disclosure.