Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$180,954Cash toward the purchase price.
Closing costs + prepaids$12,490Not just lender fees.
Before credits & paid funds$193,444The complete starting cash picture.
Estimated remaining funds due at closing
$193,444No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,953.96
Your down payment$180,953.96
Closing costs + prepaids$12,490.35
Total buyer cash needed$193,444.30
Remaining funds due$193,444.30
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)$1,160.00
Initial HOA (3 months)$66.00
Prepaid interest, first (27 days)$539.35
Fees + prepaids$12,490.35
Your down payment is the seller’s equity. You take over the $269,046 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $193,444.30 is due at closing. Uses and sources reconcile at $462,490.35 each. Not a Closing Disclosure.