Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$176,656Cash toward the purchase price.
Closing costs + prepaids$14,237Not just lender fees.
Before credits & paid funds$190,893The complete starting cash picture.
Estimated remaining funds due at closing
$190,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,655.52
Your down payment$176,655.52
Closing costs + prepaids$14,237.36
Total buyer cash needed$190,892.89
Remaining funds due$190,892.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,011.25
Initial HOA (3 months)$1,428.00
Prepaid interest, first (27 days)$723.11
Fees + prepaids$14,237.36
Your down payment is the seller’s equity. You take over the $283,344 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $190,892.89 is due at closing. Uses and sources reconcile at $474,237.36 each. Not a Closing Disclosure.