Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$251,649Cash toward the purchase price.
Closing costs + prepaids$12,331Not just lender fees.
Before credits & paid funds$263,980The complete starting cash picture.
Estimated remaining funds due at closing
$263,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,648.77
Your down payment$251,648.77
Closing costs + prepaids$12,330.78
Total buyer cash needed$263,979.55
Remaining funds due$263,979.55
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)$406.75
Initial HOA (3 months)$456.00
Prepaid interest, first (28 days)$443.03
Fees + prepaids$12,330.78
Your down payment is the seller’s equity. You take over the $203,351 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $263,979.55 is due at closing. Uses and sources reconcile at $467,330.78 each. Not a Closing Disclosure.