Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$159,728Cash toward the purchase price.
Closing costs + prepaids$12,884Not just lender fees.
Before credits & paid funds$172,612The complete starting cash picture.
Estimated remaining funds due at closing
$172,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,727.81
Your down payment$159,727.81
Closing costs + prepaids$12,883.85
Total buyer cash needed$172,611.66
Remaining funds due$172,611.66
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)$369.50
Initial HOA (3 months)$108.00
Prepaid interest, first (31 days)$1,681.35
Fees + prepaids$12,883.85
Your down payment is the seller’s equity. You take over the $290,272 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $172,611.66 is due at closing. Uses and sources reconcile at $462,883.85 each. Not a Closing Disclosure.