Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$231,983Cash toward the purchase price.
Closing costs + prepaids$12,197Not just lender fees.
Before credits & paid funds$244,180The complete starting cash picture.
Estimated remaining funds due at closing
$244,180No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,982.98
Your down payment$231,982.98
Closing costs + prepaids$12,196.86
Total buyer cash needed$244,179.84
Remaining funds due$244,179.84
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)$378.75
Initial HOA (3 months)$315.00
Prepaid interest, first (25 days)$478.11
Fees + prepaids$12,196.86
Your down payment is the seller’s equity. You take over the $223,017 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $244,179.84 is due at closing. Uses and sources reconcile at $467,196.86 each. Not a Closing Disclosure.