Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$181,081Cash toward the purchase price.
Closing costs + prepaids$11,707Not just lender fees.
Before credits & paid funds$192,787The complete starting cash picture.
Estimated remaining funds due at closing
$192,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,080.67
Your down payment$181,080.67
Closing costs + prepaids$11,706.62
Total buyer cash needed$192,787.29
Remaining funds due$192,787.29
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)$564.75
Initial HOA (3 months)$393.00
Prepaid interest, first (1 days)$23.87
Fees + prepaids$11,706.62
Your down payment is the seller’s equity. You take over the $268,919 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $192,787.29 is due at closing. Uses and sources reconcile at $461,706.62 each. Not a Closing Disclosure.