Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$245,122Cash toward the purchase price.
Closing costs + prepaids$13,910Not just lender fees.
Before credits & paid funds$259,032The complete starting cash picture.
Estimated remaining funds due at closing
$259,032No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,121.61
Your down payment$245,121.61
Closing costs + prepaids$13,909.96
Total buyer cash needed$259,031.57
Remaining funds due$259,031.57
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)$1,932.00
Initial HOA (3 months)$452.01
Prepaid interest, first (22 days)$500.95
Fees + prepaids$13,909.96
Your down payment is the seller’s equity. You take over the $209,878 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $259,031.57 is due at closing. Uses and sources reconcile at $468,909.96 each. Not a Closing Disclosure.