Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$253,659Cash toward the purchase price.
Closing costs + prepaids$12,679Not just lender fees.
Before credits & paid funds$266,338The complete starting cash picture.
Estimated remaining funds due at closing
$266,338No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,658.54
Your down payment$253,658.54
Closing costs + prepaids$12,679.11
Total buyer cash needed$266,337.65
Remaining funds due$266,337.65
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)$507.50
Initial HOA (3 months)$360.00
Prepaid interest, first (31 days)$786.61
Fees + prepaids$12,679.11
Your down payment is the seller’s equity. You take over the $201,341 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $266,337.65 is due at closing. Uses and sources reconcile at $467,679.11 each. Not a Closing Disclosure.