Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$204,572Cash toward the purchase price.
Closing costs + prepaids$12,447Not just lender fees.
Before credits & paid funds$217,018The complete starting cash picture.
Estimated remaining funds due at closing
$217,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,571.89
Your down payment$204,571.89
Closing costs + prepaids$12,446.50
Total buyer cash needed$217,018.39
Remaining funds due$217,018.39
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)$472.00
Initial HOA (3 months)$120.00
Prepaid interest, first (30 days)$829.50
Fees + prepaids$12,446.50
Your down payment is the seller’s equity. You take over the $250,428 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $217,018.39 is due at closing. Uses and sources reconcile at $467,446.50 each. Not a Closing Disclosure.