Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$176,509Cash toward the purchase price.
Closing costs + prepaids$12,197Not just lender fees.
Before credits & paid funds$188,705The complete starting cash picture.
Estimated remaining funds due at closing
$188,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,508.51
Your down payment$176,508.51
Closing costs + prepaids$12,196.89
Total buyer cash needed$188,705.40
Remaining funds due$188,705.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$562.50
Initial HOA (3 months)$600.00
Prepaid interest, first (14 days)$310.39
Fees + prepaids$12,196.89
Your down payment is the seller’s equity. You take over the $273,391 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $188,705.40 is due at closing. Uses and sources reconcile at $462,096.89 each. Not a Closing Disclosure.