Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$142,909Cash toward the purchase price.
Closing costs + prepaids$13,587Not just lender fees.
Before credits & paid funds$156,496The complete starting cash picture.
Estimated remaining funds due at closing
$156,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,908.81
Your down payment$142,908.81
Closing costs + prepaids$13,586.75
Total buyer cash needed$156,495.57
Remaining funds due$156,495.57
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)$1,150.00
Prepaid interest, first (25 days)$1,361.75
Fees + prepaids$13,586.75
Your down payment is the seller’s equity. You take over the $317,091 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $156,495.57 is due at closing. Uses and sources reconcile at $473,586.75 each. Not a Closing Disclosure.