Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$190,485Cash toward the purchase price.
Closing costs + prepaids$11,595Not just lender fees.
Before credits & paid funds$202,080The complete starting cash picture.
Estimated remaining funds due at closing
$202,080No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,485.21
Your down payment$190,485.21
Closing costs + prepaids$11,595.01
Total buyer cash needed$202,080.22
Remaining funds due$202,080.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,459.00
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)$326.25
Initial HOA (3 months)$566.01
Prepaid interest, first (1 days)$18.75
Fees + prepaids$11,595.01
Your down payment is the seller’s equity. You take over the $255,415 balance, so the rest of the $445,900 price is paid at closing. A second mortgage can cover part of it. $202,080.22 is due at closing. Uses and sources reconcile at $457,495.01 each. Not a Closing Disclosure.