Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$117,068Cash toward the purchase price.
Closing costs + prepaids$12,829Not just lender fees.
Before credits & paid funds$129,896The complete starting cash picture.
Estimated remaining funds due at closing
$129,896No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,067.65
Your down payment$117,067.65
Closing costs + prepaids$12,828.67
Total buyer cash needed$129,896.31
Remaining funds due$129,896.31
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)$16.00
Initial HOA (3 months)$555.00
Prepaid interest, first (21 days)$1,232.67
Fees + prepaids$12,828.67
Your down payment is the seller’s equity. You take over the $337,932 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $129,896.31 is due at closing. Uses and sources reconcile at $467,828.67 each. Not a Closing Disclosure.