Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$180,939Cash toward the purchase price.
Closing costs + prepaids$12,337Not just lender fees.
Before credits & paid funds$193,277The complete starting cash picture.
Estimated remaining funds due at closing
$193,277No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,939.16
Your down payment$180,939.16
Closing costs + prepaids$12,337.49
Total buyer cash needed$193,276.65
Remaining funds due$193,276.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$1,122.50
Prepaid interest, first (23 days)$499.99
Fees + prepaids$12,337.49
Your down payment is the seller’s equity. You take over the $268,061 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $193,276.65 is due at closing. Uses and sources reconcile at $461,337.49 each. Not a Closing Disclosure.