Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$164,737Cash toward the purchase price.
Closing costs + prepaids$11,805Not just lender fees.
Before credits & paid funds$176,542The complete starting cash picture.
Estimated remaining funds due at closing
$176,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,736.58
Your down payment$164,736.58
Closing costs + prepaids$11,805.27
Total buyer cash needed$176,541.85
Remaining funds due$176,541.85
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)$556.75
Initial HOA (3 months)$123.00
Prepaid interest, first (2 days)$100.52
Fees + prepaids$11,805.27
Your down payment is the seller’s equity. You take over the $290,263 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $176,541.85 is due at closing. Uses and sources reconcile at $466,805.27 each. Not a Closing Disclosure.