Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$175,344Cash toward the purchase price.
Closing costs + prepaids$12,890Not just lender fees.
Before credits & paid funds$188,233The complete starting cash picture.
Estimated remaining funds due at closing
$188,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,343.54
Your down payment$175,343.54
Closing costs + prepaids$12,889.67
Total buyer cash needed$188,233.21
Remaining funds due$188,233.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$1,162.50
Prepaid interest, first (28 days)$602.17
Fees + prepaids$12,889.67
Your down payment is the seller’s equity. You take over the $289,656 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $188,233.21 is due at closing. Uses and sources reconcile at $477,889.67 each. Not a Closing Disclosure.