Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$182,785Cash toward the purchase price.
Closing costs + prepaids$13,594Not just lender fees.
Before credits & paid funds$196,379The complete starting cash picture.
Estimated remaining funds due at closing
$196,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,785.41
Your down payment$182,785.41
Closing costs + prepaids$13,593.74
Total buyer cash needed$196,379.15
Remaining funds due$196,379.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,550.00
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)$1,553.75
Initial HOA (3 months)$525.00
Prepaid interest, first (18 days)$489.99
Fees + prepaids$13,593.74
Your down payment is the seller’s equity. You take over the $272,215 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $196,379.15 is due at closing. Uses and sources reconcile at $468,593.74 each. Not a Closing Disclosure.