Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$182,587Cash toward the purchase price.
Closing costs + prepaids$12,351Not just lender fees.
Before credits & paid funds$194,938The complete starting cash picture.
Estimated remaining funds due at closing
$194,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,587.38
Your down payment$182,587.38
Closing costs + prepaids$12,350.62
Total buyer cash needed$194,938.00
Remaining funds due$194,938.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.97
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)$699.75
Initial HOA (3 months)$150.00
Prepaid interest, first (30 days)$875.90
Fees + prepaids$12,350.62
Your down payment is the seller’s equity. You take over the $257,410 balance, so the rest of the $439,997 price is paid at closing. A second mortgage can cover part of it. $194,938.00 is due at closing. Uses and sources reconcile at $452,347.62 each. Not a Closing Disclosure.