Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$178,249Cash toward the purchase price.
Closing costs + prepaids$13,292Not just lender fees.
Before credits & paid funds$191,540The complete starting cash picture.
Estimated remaining funds due at closing
$191,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,248.50
Your down payment$178,248.50
Closing costs + prepaids$13,291.59
Total buyer cash needed$191,540.09
Remaining funds due$191,540.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,549.00
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)$1,235.25
Initial HOA (3 months)$285.00
Prepaid interest, first (29 days)$747.34
Fees + prepaids$13,291.59
Your down payment is the seller’s equity. You take over the $276,651 balance, so the rest of the $454,900 price is paid at closing. A second mortgage can cover part of it. $191,540.09 is due at closing. Uses and sources reconcile at $468,191.59 each. Not a Closing Disclosure.