Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$189,567Cash toward the purchase price.
Closing costs + prepaids$12,367Not just lender fees.
Before credits & paid funds$201,934The complete starting cash picture.
Estimated remaining funds due at closing
$201,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,567.01
Your down payment$189,567.01
Closing costs + prepaids$12,366.81
Total buyer cash needed$201,933.82
Remaining funds due$201,933.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$718.50
Initial HOA (3 months)$480.00
Prepaid interest, first (2 days)$43.31
Fees + prepaids$12,366.81
Your down payment is the seller’s equity. You take over the $275,433 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $201,933.82 is due at closing. Uses and sources reconcile at $477,366.81 each. Not a Closing Disclosure.