Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$74,194Cash toward the purchase price.
Closing costs + prepaids$14,801Not just lender fees.
Before credits & paid funds$88,995The complete starting cash picture.
Estimated remaining funds due at closing
$88,995No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,193.82
Your down payment$74,193.82
Closing costs + prepaids$14,801.33
Total buyer cash needed$88,995.15
Remaining funds due$88,995.15
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)$1,137.50
Initial HOA (3 months)$1,260.00
Prepaid interest, first (28 days)$1,378.83
Fees + prepaids$14,801.33
Your down payment is the seller’s equity. You take over the $380,806 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $88,995.15 is due at closing. Uses and sources reconcile at $469,801.33 each. Not a Closing Disclosure.