Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$178,479Cash toward the purchase price.
Closing costs + prepaids$12,264Not just lender fees.
Before credits & paid funds$190,743The complete starting cash picture.
Estimated remaining funds due at closing
$190,743No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,479.13
Your down payment$178,479.13
Closing costs + prepaids$12,264.31
Total buyer cash needed$190,743.44
Remaining funds due$190,743.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,449.00
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)$895.50
Initial HOA (3 months)$150.00
Prepaid interest, first (24 days)$544.81
Fees + prepaids$12,264.31
Your down payment is the seller’s equity. You take over the $266,421 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $190,743.44 is due at closing. Uses and sources reconcile at $457,164.31 each. Not a Closing Disclosure.