Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$184,471Cash toward the purchase price.
Closing costs + prepaids$13,714Not just lender fees.
Before credits & paid funds$198,184The complete starting cash picture.
Estimated remaining funds due at closing
$198,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,470.70
Your down payment$184,470.70
Closing costs + prepaids$13,713.71
Total buyer cash needed$198,184.40
Remaining funds due$198,184.40
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)$1,813.00
Initial HOA (3 months)$564.99
Prepaid interest, first (23 days)$610.72
Fees + prepaids$13,713.71
Your down payment is the seller’s equity. You take over the $265,529 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $198,184.40 is due at closing. Uses and sources reconcile at $463,713.71 each. Not a Closing Disclosure.