Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$155,645Cash toward the purchase price.
Closing costs + prepaids$11,940Not just lender fees.
Before credits & paid funds$167,585The complete starting cash picture.
Estimated remaining funds due at closing
$167,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,644.68
Your down payment$155,644.68
Closing costs + prepaids$11,940.20
Total buyer cash needed$167,584.89
Remaining funds due$167,584.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$514.25
Initial HOA (3 months)$94.50
Prepaid interest, first (20 days)$606.45
Fees + prepaids$11,940.20
Your down payment is the seller’s equity. You take over the $294,355 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $167,584.89 is due at closing. Uses and sources reconcile at $461,940.20 each. Not a Closing Disclosure.