Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$188,383Cash toward the purchase price.
Closing costs + prepaids$12,523Not just lender fees.
Before credits & paid funds$200,907The complete starting cash picture.
Estimated remaining funds due at closing
$200,907No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,383.49
Your down payment$188,383.49
Closing costs + prepaids$12,523.09
Total buyer cash needed$200,906.57
Remaining funds due$200,906.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$682.25
Initial HOA (3 months)$744.00
Prepaid interest, first (1 days)$22.84
Fees + prepaids$12,523.09
Your down payment is the seller’s equity. You take over the $271,517 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $200,906.57 is due at closing. Uses and sources reconcile at $472,423.09 each. Not a Closing Disclosure.