Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$165,703Cash toward the purchase price.
Closing costs + prepaids$11,609Not just lender fees.
Before credits & paid funds$177,312The complete starting cash picture.
Estimated remaining funds due at closing
$177,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,703.36
Your down payment$165,703.36
Closing costs + prepaids$11,608.75
Total buyer cash needed$177,312.11
Remaining funds due$177,312.11
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)$599.00
Initial HOA (3 months)$243.00
Prepaid interest, first (2 days)$41.75
Fees + prepaids$11,608.75
Your down payment is the seller’s equity. You take over the $284,297 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $177,312.11 is due at closing. Uses and sources reconcile at $461,608.75 each. Not a Closing Disclosure.