Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$183,030Cash toward the purchase price.
Closing costs + prepaids$14,751Not just lender fees.
Before credits & paid funds$197,781The complete starting cash picture.
Estimated remaining funds due at closing
$197,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,029.73
Your down payment$183,029.73
Closing costs + prepaids$14,751.09
Total buyer cash needed$197,780.82
Remaining funds due$197,780.82
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)$1,162.50
Initial HOA (3 months)$1,620.00
Prepaid interest, first (30 days)$843.59
Fees + prepaids$14,751.09
Your down payment is the seller’s equity. You take over the $281,970 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $197,780.82 is due at closing. Uses and sources reconcile at $479,751.09 each. Not a Closing Disclosure.