Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$174,322Cash toward the purchase price.
Closing costs + prepaids$12,859Not just lender fees.
Before credits & paid funds$187,181The complete starting cash picture.
Estimated remaining funds due at closing
$187,181No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,321.75
Your down payment$174,321.75
Closing costs + prepaids$12,858.80
Total buyer cash needed$187,180.55
Remaining funds due$187,180.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$314.50
Prepaid interest, first (27 days)$1,470.30
Fees + prepaids$12,858.80
Your down payment is the seller’s equity. You take over the $285,578 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $187,180.55 is due at closing. Uses and sources reconcile at $472,758.80 each. Not a Closing Disclosure.