Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$214,405Cash toward the purchase price.
Closing costs + prepaids$12,893Not just lender fees.
Before credits & paid funds$227,299The complete starting cash picture.
Estimated remaining funds due at closing
$227,299No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,405.39
Your down payment$214,405.39
Closing costs + prepaids$12,893.18
Total buyer cash needed$227,298.57
Remaining funds due$227,298.57
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)$889.00
Initial HOA (3 months)$228.00
Prepaid interest, first (28 days)$751.18
Fees + prepaids$12,893.18
Your down payment is the seller’s equity. You take over the $240,595 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $227,298.57 is due at closing. Uses and sources reconcile at $467,893.18 each. Not a Closing Disclosure.