Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$175,722Cash toward the purchase price.
Closing costs + prepaids$11,902Not just lender fees.
Before credits & paid funds$187,625The complete starting cash picture.
Estimated remaining funds due at closing
$187,625No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,722.24
Your down payment$175,722.24
Closing costs + prepaids$11,902.46
Total buyer cash needed$187,624.70
Remaining funds due$187,624.70
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
Prepaid interest, first (12 days)$331.46
Fees + prepaids$11,902.46
Your down payment is the seller’s equity. You take over the $279,278 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $187,624.70 is due at closing. Uses and sources reconcile at $466,902.46 each. Not a Closing Disclosure.