Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$177,974Cash toward the purchase price.
Closing costs + prepaids$12,411Not just lender fees.
Before credits & paid funds$190,385The complete starting cash picture.
Estimated remaining funds due at closing
$190,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,974.20
Your down payment$177,974.20
Closing costs + prepaids$12,411.11
Total buyer cash needed$190,385.31
Remaining funds due$190,385.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$1,122.50
Prepaid interest, first (25 days)$573.61
Fees + prepaids$12,411.11
Your down payment is the seller’s equity. You take over the $271,026 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $190,385.31 is due at closing. Uses and sources reconcile at $461,411.11 each. Not a Closing Disclosure.