Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$71,978Cash toward the purchase price.
Closing costs + prepaids$13,826Not just lender fees.
Before credits & paid funds$85,804The complete starting cash picture.
Estimated remaining funds due at closing
$85,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,977.65
Your down payment$71,977.65
Closing costs + prepaids$13,826.49
Total buyer cash needed$85,804.13
Remaining funds due$85,804.13
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)$664.00
Initial HOA (3 months)$276.00
Prepaid interest, first (27 days)$1,861.49
Fees + prepaids$13,826.49
Your down payment is the seller’s equity. You take over the $383,022 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $85,804.13 is due at closing. Uses and sources reconcile at $468,826.49 each. Not a Closing Disclosure.