Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$167,140Cash toward the purchase price.
Closing costs + prepaids$12,998Not just lender fees.
Before credits & paid funds$180,137The complete starting cash picture.
Estimated remaining funds due at closing
$180,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,139.59
Your down payment$167,139.59
Closing costs + prepaids$12,997.75
Total buyer cash needed$180,137.34
Remaining funds due$180,137.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$1,568.00
Initial HOA (3 months)$309.99
Prepaid interest, first (18 days)$394.76
Fees + prepaids$12,997.75
Your down payment is the seller’s equity. You take over the $282,860 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $180,137.34 is due at closing. Uses and sources reconcile at $462,997.75 each. Not a Closing Disclosure.