Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$189,315Cash toward the purchase price.
Closing costs + prepaids$13,056Not just lender fees.
Before credits & paid funds$202,372The complete starting cash picture.
Estimated remaining funds due at closing
$202,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,315.40
Your down payment$189,315.40
Closing costs + prepaids$13,056.20
Total buyer cash needed$202,371.60
Remaining funds due$202,371.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,545.00
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)$1,220.50
Initial HOA (3 months)$249.00
Prepaid interest, first (26 days)$566.70
Fees + prepaids$13,056.20
Your down payment is the seller’s equity. You take over the $265,185 balance, so the rest of the $454,500 price is paid at closing. A second mortgage can cover part of it. $202,371.60 is due at closing. Uses and sources reconcile at $467,556.20 each. Not a Closing Disclosure.