Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$266,106Cash toward the purchase price.
Closing costs + prepaids$13,596Not just lender fees.
Before credits & paid funds$279,702The complete starting cash picture.
Estimated remaining funds due at closing
$279,702No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,105.63
Your down payment$266,105.63
Closing costs + prepaids$13,596.39
Total buyer cash needed$279,702.01
Remaining funds due$279,702.01
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)$1,137.50
Initial HOA (3 months)$972.00
Prepaid interest, first (25 days)$461.89
Fees + prepaids$13,596.39
Your down payment is the seller’s equity. You take over the $188,894 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $279,702.01 is due at closing. Uses and sources reconcile at $468,596.39 each. Not a Closing Disclosure.