Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$187,632Cash toward the purchase price.
Closing costs + prepaids$11,860Not just lender fees.
Before credits & paid funds$199,492The complete starting cash picture.
Estimated remaining funds due at closing
$199,492No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,632.01
Your down payment$187,632.01
Closing costs + prepaids$11,859.80
Total buyer cash needed$199,491.81
Remaining funds due$199,491.81
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)$679.25
Initial HOA (3 months)$414.00
Prepaid interest, first (2 days)$41.55
Fees + prepaids$11,859.80
Your down payment is the seller’s equity. You take over the $262,368 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $199,491.81 is due at closing. Uses and sources reconcile at $461,859.80 each. Not a Closing Disclosure.