Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$123,394Cash toward the purchase price.
Closing costs + prepaids$14,228Not just lender fees.
Before credits & paid funds$137,621The complete starting cash picture.
Estimated remaining funds due at closing
$137,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,393.86
Your down payment$123,393.86
Closing costs + prepaids$14,227.52
Total buyer cash needed$137,621.38
Remaining funds due$137,621.38
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)$1,225.00
Initial HOA (3 months)$225.00
Prepaid interest, first (30 days)$1,752.52
Fees + prepaids$14,227.52
Your down payment is the seller’s equity. You take over the $331,606 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $137,621.38 is due at closing. Uses and sources reconcile at $469,227.52 each. Not a Closing Disclosure.