Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$190,840Cash toward the purchase price.
Closing costs + prepaids$13,493Not just lender fees.
Before credits & paid funds$204,333The complete starting cash picture.
Estimated remaining funds due at closing
$204,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,840.24
Your down payment$190,840.24
Closing costs + prepaids$13,493.11
Total buyer cash needed$204,333.35
Remaining funds due$204,333.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.00
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)$1,624.00
Initial HOA (3 months)$218.01
Prepaid interest, first (26 days)$527.10
Fees + prepaids$13,493.11
Your down payment is the seller’s equity. You take over the $274,060 balance, so the rest of the $464,900 price is paid at closing. A second mortgage can cover part of it. $204,333.35 is due at closing. Uses and sources reconcile at $478,393.11 each. Not a Closing Disclosure.