Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$259,322Cash toward the purchase price.
Closing costs + prepaids$12,344Not just lender fees.
Before credits & paid funds$271,666The complete starting cash picture.
Estimated remaining funds due at closing
$271,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,321.94
Your down payment$259,321.94
Closing costs + prepaids$12,343.66
Total buyer cash needed$271,665.60
Remaining funds due$271,665.60
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)$957.75
Prepaid interest, first (22 days)$360.91
Fees + prepaids$12,343.66
Your down payment is the seller’s equity. You take over the $195,678 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $271,665.60 is due at closing. Uses and sources reconcile at $467,343.66 each. Not a Closing Disclosure.