Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$142,997Cash toward the purchase price.
Closing costs + prepaids$12,172Not just lender fees.
Before credits & paid funds$155,169The complete starting cash picture.
Estimated remaining funds due at closing
$155,169No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,997.23
Your down payment$142,997.23
Closing costs + prepaids$12,172.25
Total buyer cash needed$155,169.48
Remaining funds due$155,169.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,549.00
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)$546.00
Initial HOA (3 months)$357.00
Prepaid interest, first (10 days)$245.25
Fees + prepaids$12,172.25
Your down payment is the seller’s equity. You take over the $311,903 balance, so the rest of the $454,900 price is paid at closing. A second mortgage can cover part of it. $155,169.48 is due at closing. Uses and sources reconcile at $467,072.25 each. Not a Closing Disclosure.