Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$190,277Cash toward the purchase price.
Closing costs + prepaids$11,988Not just lender fees.
Before credits & paid funds$202,264The complete starting cash picture.
Estimated remaining funds due at closing
$202,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,276.57
Your down payment$190,276.57
Closing costs + prepaids$11,987.82
Total buyer cash needed$202,264.39
Remaining funds due$202,264.39
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)$842.50
Prepaid interest, first (1 days)$20.32
Fees + prepaids$11,987.82
Your down payment is the seller’s equity. You take over the $274,723 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $202,264.39 is due at closing. Uses and sources reconcile at $476,987.82 each. Not a Closing Disclosure.