Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$86,851Cash toward the purchase price.
Closing costs + prepaids$12,682Not just lender fees.
Before credits & paid funds$99,532The complete starting cash picture.
Estimated remaining funds due at closing
$99,532No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,850.93
Your down payment$86,850.93
Closing costs + prepaids$12,681.54
Total buyer cash needed$99,532.47
Remaining funds due$99,532.47
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)$895.00
Prepaid interest, first (24 days)$711.54
Fees + prepaids$12,681.54
Your down payment is the seller’s equity. You take over the $373,149 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $99,532.47 is due at closing. Uses and sources reconcile at $472,681.54 each. Not a Closing Disclosure.