Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$159,280Cash toward the purchase price.
Closing costs + prepaids$11,716Not just lender fees.
Before credits & paid funds$170,996The complete starting cash picture.
Estimated remaining funds due at closing
$170,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,279.52
Your down payment$159,279.52
Closing costs + prepaids$11,716.35
Total buyer cash needed$170,995.87
Remaining funds due$170,995.87
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 (6 days)$145.35
Fees + prepaids$11,716.35
Your down payment is the seller’s equity. You take over the $295,720 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $170,995.87 is due at closing. Uses and sources reconcile at $466,716.35 each. Not a Closing Disclosure.