Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$83,015Cash toward the purchase price.
Closing costs + prepaids$15,198Not just lender fees.
Before credits & paid funds$98,213The complete starting cash picture.
Estimated remaining funds due at closing
$98,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,014.68
Your down payment$83,014.68
Closing costs + prepaids$15,198.16
Total buyer cash needed$98,212.83
Remaining funds due$98,212.83
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)$1,788.00
Initial HOA (3 months)$300.00
Prepaid interest, first (30 days)$2,085.16
Fees + prepaids$15,198.16
Your down payment is the seller’s equity. You take over the $371,985 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $98,212.83 is due at closing. Uses and sources reconcile at $470,198.16 each. Not a Closing Disclosure.