Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$231,983Cash toward the purchase price.
Closing costs + prepaids$12,058Not just lender fees.
Before credits & paid funds$244,041The complete starting cash picture.
Estimated remaining funds due at closing
$244,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,982.98
Your down payment$231,982.98
Closing costs + prepaids$12,058.12
Total buyer cash needed$244,041.10
Remaining funds due$244,041.10
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)$546.00
Initial HOA (3 months)$315.00
Prepaid interest, first (9 days)$172.12
Fees + prepaids$12,058.12
Your down payment is the seller’s equity. You take over the $223,017 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $244,041.10 is due at closing. Uses and sources reconcile at $467,058.12 each. Not a Closing Disclosure.