Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$140,510Cash toward the purchase price.
Closing costs + prepaids$12,036Not just lender fees.
Before credits & paid funds$152,546The complete starting cash picture.
Estimated remaining funds due at closing
$152,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,509.79
Your down payment$140,509.79
Closing costs + prepaids$12,036.32
Total buyer cash needed$152,546.10
Remaining funds due$152,546.10
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)$397.50
Prepaid interest, first (26 days)$613.82
Fees + prepaids$12,036.32
Your down payment is the seller’s equity. You take over the $314,490 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $152,546.10 is due at closing. Uses and sources reconcile at $467,036.32 each. Not a Closing Disclosure.