Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$122,470Cash toward the purchase price.
Closing costs + prepaids$15,216Not just lender fees.
Before credits & paid funds$137,686The complete starting cash picture.
Estimated remaining funds due at closing
$137,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,470.24
Your down payment$122,470.24
Closing costs + prepaids$15,215.91
Total buyer cash needed$137,686.14
Remaining funds due$137,686.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,550.00
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)$1,493.00
Initial HOA (3 months)$1,170.00
Prepaid interest, first (31 days)$1,527.91
Fees + prepaids$15,215.91
Your down payment is the seller’s equity. You take over the $332,530 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $137,686.14 is due at closing. Uses and sources reconcile at $470,215.91 each. Not a Closing Disclosure.