Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$186,087Cash toward the purchase price.
Closing costs + prepaids$12,360Not just lender fees.
Before credits & paid funds$198,446The complete starting cash picture.
Estimated remaining funds due at closing
$198,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,086.68
Your down payment$186,086.68
Closing costs + prepaids$12,359.51
Total buyer cash needed$198,446.19
Remaining funds due$198,446.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,449.00
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)$807.75
Initial HOA (3 months)$213.00
Prepaid interest, first (25 days)$664.76
Fees + prepaids$12,359.51
Your down payment is the seller’s equity. You take over the $258,813 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $198,446.19 is due at closing. Uses and sources reconcile at $457,259.51 each. Not a Closing Disclosure.