Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$142,280Cash toward the purchase price.
Closing costs + prepaids$12,082Not just lender fees.
Before credits & paid funds$154,362The complete starting cash picture.
Estimated remaining funds due at closing
$154,362No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,280.14
Your down payment$142,280.14
Closing costs + prepaids$12,082.08
Total buyer cash needed$154,362.22
Remaining funds due$154,362.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,549.00
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)$676.50
Initial HOA (3 months)$357.00
Prepaid interest, first (1 days)$24.58
Fees + prepaids$12,082.08
Your down payment is the seller’s equity. You take over the $312,620 balance, so the rest of the $454,900 price is paid at closing. A second mortgage can cover part of it. $154,362.22 is due at closing. Uses and sources reconcile at $466,982.08 each. Not a Closing Disclosure.