Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$234,329Cash toward the purchase price.
Closing costs + prepaids$11,691Not just lender fees.
Before credits & paid funds$246,020The complete starting cash picture.
Estimated remaining funds due at closing
$246,020No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,329.30
Your down payment$234,329.30
Closing costs + prepaids$11,691.11
Total buyer cash needed$246,020.41
Remaining funds due$246,020.41
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)$645.25
Prepaid interest, first (1 days)$20.86
Fees + prepaids$11,691.11
Your down payment is the seller’s equity. You take over the $220,671 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $246,020.41 is due at closing. Uses and sources reconcile at $466,691.11 each. Not a Closing Disclosure.