Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$188,978Cash toward the purchase price.
Closing costs + prepaids$12,956Not 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$188,977.79
Your down payment$188,977.79
Closing costs + prepaids$12,955.99
Total buyer cash needed$201,933.78
Remaining funds due$201,933.78
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 (20 days)$455.74
Fees + prepaids$12,955.99
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. $201,933.78 is due at closing. Uses and sources reconcile at $472,855.99 each. Not a Closing Disclosure.