Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$176,938Cash toward the purchase price.
Closing costs + prepaids$11,816Not just lender fees.
Before credits & paid funds$188,754The complete starting cash picture.
Estimated remaining funds due at closing
$188,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,938.03
Your down payment$176,938.03
Closing costs + prepaids$11,816.09
Total buyer cash needed$188,754.12
Remaining funds due$188,754.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,245.00
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)$402.25
Initial HOA (3 months)$75.00
Prepaid interest, first (30 days)$868.84
Fees + prepaids$11,816.09
Your down payment is the seller’s equity. You take over the $247,562 balance, so the rest of the $424,500 price is paid at closing. A second mortgage can cover part of it. $188,754.12 is due at closing. Uses and sources reconcile at $436,316.09 each. Not a Closing Disclosure.