Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$196,357Cash toward the purchase price.
Closing costs + prepaids$12,943Not just lender fees.
Before credits & paid funds$209,300The complete starting cash picture.
Estimated remaining funds due at closing
$209,300No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,357.20
Your down payment$196,357.20
Closing costs + prepaids$12,942.94
Total buyer cash needed$209,300.14
Remaining funds due$209,300.14
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)$770.75
Initial HOA (3 months)$438.00
Prepaid interest, first (31 days)$609.19
Fees + prepaids$12,942.94
Your down payment is the seller’s equity. You take over the $268,643 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $209,300.14 is due at closing. Uses and sources reconcile at $477,942.94 each. Not a Closing Disclosure.