Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$258,960Cash toward the purchase price.
Closing costs + prepaids$12,923Not just lender fees.
Before credits & paid funds$271,882The complete starting cash picture.
Estimated remaining funds due at closing
$271,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,959.56
Your down payment$258,959.56
Closing costs + prepaids$12,922.91
Total buyer cash needed$271,882.48
Remaining funds due$271,882.48
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)$1,138.00
Initial HOA (3 months)$102.99
Prepaid interest, first (27 days)$656.92
Fees + prepaids$12,922.91
Your down payment is the seller’s equity. You take over the $196,040 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $271,882.48 is due at closing. Uses and sources reconcile at $467,922.91 each. Not a Closing Disclosure.