Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$186,087Cash toward the purchase price.
Closing costs + prepaids$11,842Not just lender fees.
Before credits & paid funds$197,929The complete starting cash picture.
Estimated remaining funds due at closing
$197,929No 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$11,842.11
Total buyer cash needed$197,928.79
Remaining funds due$197,928.79
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)$556.25
Initial HOA (3 months)$213.00
Prepaid interest, first (15 days)$398.86
Fees + prepaids$11,842.11
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. $197,928.79 is due at closing. Uses and sources reconcile at $456,742.11 each. Not a Closing Disclosure.