Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$174,724Cash toward the purchase price.
Closing costs + prepaids$13,369Not just lender fees.
Before credits & paid funds$188,092The complete starting cash picture.
Estimated remaining funds due at closing
$188,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,723.67
Your down payment$174,723.67
Closing costs + prepaids$13,368.79
Total buyer cash needed$188,092.46
Remaining funds due$188,092.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$1,726.25
Initial HOA (3 months)$387.00
Prepaid interest, first (28 days)$580.54
Fees + prepaids$13,368.79
Your down payment is the seller’s equity. You take over the $270,276 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $188,092.46 is due at closing. Uses and sources reconcile at $458,368.79 each. Not a Closing Disclosure.