Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$180,876Cash toward the purchase price.
Closing costs + prepaids$12,707Not just lender fees.
Before credits & paid funds$193,582The complete starting cash picture.
Estimated remaining funds due at closing
$193,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,875.79
Your down payment$180,875.79
Closing costs + prepaids$12,706.65
Total buyer cash needed$193,582.44
Remaining funds due$193,582.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$578.25
Initial HOA (3 months)$219.99
Prepaid interest, first (25 days)$1,183.41
Fees + prepaids$12,706.65
Your down payment is the seller’s equity. You take over the $269,124 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $193,582.44 is due at closing. Uses and sources reconcile at $462,706.65 each. Not a Closing Disclosure.