Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$90,467Cash toward the purchase price.
Closing costs + prepaids$14,137Not just lender fees.
Before credits & paid funds$104,604The complete starting cash picture.
Estimated remaining funds due at closing
$104,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,466.62
Your down payment$90,466.62
Closing costs + prepaids$14,137.23
Total buyer cash needed$104,603.85
Remaining funds due$104,603.85
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)$1,121.50
Initial HOA (3 months)$50.01
Prepaid interest, first (28 days)$1,940.72
Fees + prepaids$14,137.23
Your down payment is the seller’s equity. You take over the $364,533 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $104,603.85 is due at closing. Uses and sources reconcile at $469,137.23 each. Not a Closing Disclosure.