Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$176,902Cash toward the purchase price.
Closing costs + prepaids$12,437Not just lender fees.
Before credits & paid funds$189,339The complete starting cash picture.
Estimated remaining funds due at closing
$189,339No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,902.25
Your down payment$176,902.25
Closing costs + prepaids$12,436.81
Total buyer cash needed$189,339.06
Remaining funds due$189,339.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$725.75
Prepaid interest, first (27 days)$586.06
Fees + prepaids$12,436.81
Your down payment is the seller’s equity. You take over the $288,098 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $189,339.06 is due at closing. Uses and sources reconcile at $477,436.81 each. Not a Closing Disclosure.