Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$181,054Cash toward the purchase price.
Closing costs + prepaids$13,642Not just lender fees.
Before credits & paid funds$194,697The complete starting cash picture.
Estimated remaining funds due at closing
$194,697No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,054.26
Your down payment$181,054.26
Closing costs + prepaids$13,642.40
Total buyer cash needed$194,696.66
Remaining funds due$194,696.66
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)$1,517.50
Initial HOA (3 months)$543.00
Prepaid interest, first (28 days)$556.90
Fees + prepaids$13,642.40
Your down payment is the seller’s equity. You take over the $273,946 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $194,696.66 is due at closing. Uses and sources reconcile at $468,642.40 each. Not a Closing Disclosure.