Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$134,774Cash toward the purchase price.
Closing costs + prepaids$13,781Not just lender fees.
Before credits & paid funds$148,555The complete starting cash picture.
Estimated remaining funds due at closing
$148,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,774.34
Your down payment$134,774.34
Closing costs + prepaids$13,780.88
Total buyer cash needed$148,555.22
Remaining funds due$148,555.22
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)$1,448.00
Initial HOA (3 months)$225.00
Prepaid interest, first (28 days)$1,032.88
Fees + prepaids$13,780.88
Your down payment is the seller’s equity. You take over the $325,226 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $148,555.22 is due at closing. Uses and sources reconcile at $473,780.88 each. Not a Closing Disclosure.