Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$144,325Cash toward the purchase price.
Closing costs + prepaids$11,877Not just lender fees.
Before credits & paid funds$156,202The complete starting cash picture.
Estimated remaining funds due at closing
$156,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,324.77
Your down payment$144,324.77
Closing costs + prepaids$11,877.42
Total buyer cash needed$156,202.19
Remaining funds due$156,202.19
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)$306.42
Fees + prepaids$11,877.42
Your down payment is the seller’s equity. You take over the $310,675 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $156,202.19 is due at closing. Uses and sources reconcile at $466,877.42 each. Not a Closing Disclosure.