Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$188,257Cash toward the purchase price.
Closing costs + prepaids$11,744Not just lender fees.
Before credits & paid funds$200,001The complete starting cash picture.
Estimated remaining funds due at closing
$200,001No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,257.29
Your down payment$188,257.29
Closing costs + prepaids$11,743.91
Total buyer cash needed$200,001.20
Remaining funds due$200,001.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.00
Initial HOA (3 months)$210.00
Prepaid interest, first (10 days)$268.91
Fees + prepaids$11,743.91
Your down payment is the seller’s equity. You take over the $261,743 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $200,001.20 is due at closing. Uses and sources reconcile at $461,743.91 each. Not a Closing Disclosure.