Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$45,602Cash toward the purchase price.
Closing costs + prepaids$15,081Not just lender fees.
Before credits & paid funds$60,683The complete starting cash picture.
Estimated remaining funds due at closing
$60,683No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,601.86
Your down payment$45,601.86
Closing costs + prepaids$15,080.87
Total buyer cash needed$60,682.74
Remaining funds due$60,682.74
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)$1,611.75
Initial HOA (3 months)$300.00
Prepaid interest, first (27 days)$2,144.12
Fees + prepaids$15,080.87
Your down payment is the seller’s equity. You take over the $409,398 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $60,682.74 is due at closing. Uses and sources reconcile at $470,080.87 each. Not a Closing Disclosure.