Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$188,978Cash toward the purchase price.
Closing costs + prepaids$13,207Not just lender fees.
Before credits & paid funds$202,184The complete starting cash picture.
Estimated remaining funds due at closing
$202,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,977.79
Your down payment$188,977.79
Closing costs + prepaids$13,206.65
Total buyer cash needed$202,184.44
Remaining funds due$202,184.44
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 (31 days)$706.40
Fees + prepaids$13,206.65
Your down payment is the seller’s equity. You take over the $270,922 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $202,184.44 is due at closing. Uses and sources reconcile at $473,106.65 each. Not a Closing Disclosure.