Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$132,439Cash toward the purchase price.
Closing costs + prepaids$13,732Not just lender fees.
Before credits & paid funds$146,171The complete starting cash picture.
Estimated remaining funds due at closing
$146,171No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,439.38
Your down payment$132,439.38
Closing costs + prepaids$13,731.76
Total buyer cash needed$146,171.14
Remaining funds due$146,171.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,600.00
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)$658.75
Initial HOA (3 months)$327.00
Prepaid interest, first (28 days)$1,671.01
Fees + prepaids$13,731.76
Your down payment is the seller’s equity. You take over the $327,561 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $146,171.14 is due at closing. Uses and sources reconcile at $473,731.76 each. Not a Closing Disclosure.