Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$180,546Cash toward the purchase price.
Closing costs + prepaids$12,131Not just lender fees.
Before credits & paid funds$192,677The complete starting cash picture.
Estimated remaining funds due at closing
$192,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,545.85
Your down payment$180,545.85
Closing costs + prepaids$12,130.97
Total buyer cash needed$192,676.82
Remaining funds due$192,676.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.99
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)$746.00
Prepaid interest, first (30 days)$659.98
Fees + prepaids$12,130.97
Your down payment is the seller’s equity. You take over the $269,453 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $192,676.82 is due at closing. Uses and sources reconcile at $462,129.97 each. Not a Closing Disclosure.