Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$60,852Cash toward the purchase price.
Closing costs + prepaids$15,277Not just lender fees.
Before credits & paid funds$76,129The complete starting cash picture.
Estimated remaining funds due at closing
$76,129No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,851.97
Your down payment$60,851.97
Closing costs + prepaids$15,277.05
Total buyer cash needed$76,129.02
Remaining funds due$76,129.02
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)$1,700.75
Initial HOA (3 months)$204.99
Prepaid interest, first (28 days)$2,346.31
Fees + prepaids$15,277.05
Your down payment is the seller’s equity. You take over the $394,148 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $76,129.02 is due at closing. Uses and sources reconcile at $470,277.05 each. Not a Closing Disclosure.