Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$228,270Cash toward the purchase price.
Closing costs + prepaids$12,874Not just lender fees.
Before credits & paid funds$241,144The complete starting cash picture.
Estimated remaining funds due at closing
$241,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,270.41
Your down payment$228,270.41
Closing costs + prepaids$12,873.84
Total buyer cash needed$241,144.25
Remaining funds due$241,144.25
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 (28 days)$648.84
Fees + prepaids$12,873.84
Your down payment is the seller’s equity. You take over the $231,730 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $241,144.25 is due at closing. Uses and sources reconcile at $472,873.84 each. Not a Closing Disclosure.