Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$196,357Cash toward the purchase price.
Closing costs + prepaids$12,727Not just lender fees.
Before credits & paid funds$209,084The complete starting cash picture.
Estimated remaining funds due at closing
$209,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,357.20
Your down payment$196,357.20
Closing costs + prepaids$12,726.78
Total buyer cash needed$209,083.98
Remaining funds due$209,083.98
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)$770.75
Initial HOA (3 months)$438.00
Prepaid interest, first (20 days)$393.03
Fees + prepaids$12,726.78
Your down payment is the seller’s equity. You take over the $268,643 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $209,083.98 is due at closing. Uses and sources reconcile at $477,726.78 each. Not a Closing Disclosure.