Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$191,106Cash toward the purchase price.
Closing costs + prepaids$11,932Not just lender fees.
Before credits & paid funds$203,038The complete starting cash picture.
Estimated remaining funds due at closing
$203,038No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,106.43
Your down payment$191,106.43
Closing costs + prepaids$11,931.71
Total buyer cash needed$203,038.14
Remaining funds due$203,038.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,459.00
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)$326.25
Initial HOA (3 months)$566.01
Prepaid interest, first (19 days)$355.45
Fees + prepaids$11,931.71
Your down payment is the seller’s equity. You take over the $254,794 balance, so the rest of the $445,900 price is paid at closing. A second mortgage can cover part of it. $203,038.14 is due at closing. Uses and sources reconcile at $457,831.71 each. Not a Closing Disclosure.