Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$174,402Cash toward the purchase price.
Closing costs + prepaids$11,812Not just lender fees.
Before credits & paid funds$186,214The complete starting cash picture.
Estimated remaining funds due at closing
$186,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,402.29
Your down payment$174,402.29
Closing costs + prepaids$11,811.87
Total buyer cash needed$186,214.16
Remaining funds due$186,214.16
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)$459.50
Initial HOA (3 months)$120.00
Prepaid interest, first (23 days)$517.37
Fees + prepaids$11,811.87
Your down payment is the seller’s equity. You take over the $274,598 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $186,214.16 is due at closing. Uses and sources reconcile at $460,811.87 each. Not a Closing Disclosure.