Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$46,194Cash toward the purchase price.
Closing costs + prepaids$14,128Not just lender fees.
Before credits & paid funds$60,322The complete starting cash picture.
Estimated remaining funds due at closing
$60,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,194.06
Your down payment$46,194.06
Closing costs + prepaids$14,127.93
Total buyer cash needed$60,321.99
Remaining funds due$60,321.99
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)$991.50
Prepaid interest, first (29 days)$2,061.43
Fees + prepaids$14,127.93
Your down payment is the seller’s equity. You take over the $413,806 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $60,321.99 is due at closing. Uses and sources reconcile at $474,127.93 each. Not a Closing Disclosure.