Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$177,394Cash toward the purchase price.
Closing costs + prepaids$12,872Not just lender fees.
Before credits & paid funds$190,267The complete starting cash picture.
Estimated remaining funds due at closing
$190,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,394.49
Your down payment$177,394.49
Closing costs + prepaids$12,872.46
Total buyer cash needed$190,266.95
Remaining funds due$190,266.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$1,172.50
Prepaid interest, first (18 days)$534.96
Fees + prepaids$12,872.46
Your down payment is the seller’s equity. You take over the $291,606 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $190,266.95 is due at closing. Uses and sources reconcile at $481,872.46 each. Not a Closing Disclosure.