Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$173,148Cash toward the purchase price.
Closing costs + prepaids$12,628Not just lender fees.
Before credits & paid funds$185,776The complete starting cash picture.
Estimated remaining funds due at closing
$185,776No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,147.78
Your down payment$173,147.78
Closing costs + prepaids$12,628.50
Total buyer cash needed$185,776.28
Remaining funds due$185,776.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,619.00
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)$530.25
Initial HOA (3 months)$372.00
Prepaid interest, first (27 days)$632.25
Fees + prepaids$12,628.50
Your down payment is the seller’s equity. You take over the $288,752 balance, so the rest of the $461,900 price is paid at closing. A second mortgage can cover part of it. $185,776.28 is due at closing. Uses and sources reconcile at $474,528.50 each. Not a Closing Disclosure.