Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$251,184Cash toward the purchase price.
Closing costs + prepaids$11,904Not just lender fees.
Before credits & paid funds$263,087The complete starting cash picture.
Estimated remaining funds due at closing
$263,087No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,183.66
Your down payment$251,183.66
Closing costs + prepaids$11,903.61
Total buyer cash needed$263,087.27
Remaining funds due$263,087.27
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)$406.75
Initial HOA (3 months)$456.00
Prepaid interest, first (1 days)$15.86
Fees + prepaids$11,903.61
Your down payment is the seller’s equity. You take over the $203,816 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $263,087.27 is due at closing. Uses and sources reconcile at $466,903.61 each. Not a Closing Disclosure.