Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$180,543Cash toward the purchase price.
Closing costs + prepaids$13,112Not just lender fees.
Before credits & paid funds$193,654The complete starting cash picture.
Estimated remaining funds due at closing
$193,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,542.78
Your down payment$180,542.78
Closing costs + prepaids$13,111.66
Total buyer cash needed$193,654.43
Remaining funds due$193,654.43
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)$1,478.50
Initial HOA (3 months)$8.76
Prepaid interest, first (24 days)$499.40
Fees + prepaids$13,111.66
Your down payment is the seller’s equity. You take over the $284,457 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $193,654.43 is due at closing. Uses and sources reconcile at $478,111.66 each. Not a Closing Disclosure.