Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$197,876Cash toward the purchase price.
Closing costs + prepaids$13,207Not just lender fees.
Before credits & paid funds$211,083The complete starting cash picture.
Estimated remaining funds due at closing
$211,083No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,876.03
Your down payment$197,876.03
Closing costs + prepaids$13,206.50
Total buyer cash needed$211,082.53
Remaining funds due$211,082.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,549.00
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)$1,209.50
Initial HOA (3 months)$222.00
Prepaid interest, first (27 days)$751.00
Fees + prepaids$13,206.50
Your down payment is the seller’s equity. You take over the $257,024 balance, so the rest of the $454,900 price is paid at closing. A second mortgage can cover part of it. $211,082.53 is due at closing. Uses and sources reconcile at $468,106.50 each. Not a Closing Disclosure.