Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$195,701Cash toward the purchase price.
Closing costs + prepaids$12,353Not just lender fees.
Before credits & paid funds$208,055The complete starting cash picture.
Estimated remaining funds due at closing
$208,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,701.33
Your down payment$195,701.33
Closing costs + prepaids$12,353.45
Total buyer cash needed$208,054.78
Remaining funds due$208,054.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$770.75
Initial HOA (3 months)$438.00
Prepaid interest, first (1 days)$19.70
Fees + prepaids$12,353.45
Your down payment is the seller’s equity. You take over the $269,299 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $208,054.78 is due at closing. Uses and sources reconcile at $477,353.45 each. Not a Closing Disclosure.