Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$227,993Cash toward the purchase price.
Closing costs + prepaids$11,595Not just lender fees.
Before credits & paid funds$239,588The complete starting cash picture.
Estimated remaining funds due at closing
$239,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,992.88
Your down payment$227,992.88
Closing costs + prepaids$11,595.01
Total buyer cash needed$239,587.89
Remaining funds due$239,587.89
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
Prepaid interest, first (27 days)$520.01
Fees + prepaids$11,595.01
Your down payment is the seller’s equity. You take over the $232,007 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $239,587.89 is due at closing. Uses and sources reconcile at $471,595.01 each. Not a Closing Disclosure.