Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$188,383Cash toward the purchase price.
Closing costs + prepaids$12,546Not just lender fees.
Before credits & paid funds$200,929The complete starting cash picture.
Estimated remaining funds due at closing
$200,929No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,383.49
Your down payment$188,383.49
Closing costs + prepaids$12,545.92
Total buyer cash needed$200,929.41
Remaining funds due$200,929.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$682.25
Initial HOA (3 months)$744.00
Prepaid interest, first (2 days)$45.67
Fees + prepaids$12,545.92
Your down payment is the seller’s equity. You take over the $271,517 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $200,929.41 is due at closing. Uses and sources reconcile at $472,445.92 each. Not a Closing Disclosure.