Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$186,039Cash toward the purchase price.
Closing costs + prepaids$12,455Not just lender fees.
Before credits & paid funds$198,494The complete starting cash picture.
Estimated remaining funds due at closing
$198,494No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,039.14
Your down payment$186,039.14
Closing costs + prepaids$12,455.22
Total buyer cash needed$198,494.36
Remaining funds due$198,494.36
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)$980.25
Initial HOA (3 months)$237.00
Prepaid interest, first (23 days)$562.97
Fees + prepaids$12,455.22
Your down payment is the seller’s equity. You take over the $258,961 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $198,494.36 is due at closing. Uses and sources reconcile at $457,455.22 each. Not a Closing Disclosure.