Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$154,893Cash toward the purchase price.
Closing costs + prepaids$12,984Not just lender fees.
Before credits & paid funds$167,877The complete starting cash picture.
Estimated remaining funds due at closing
$167,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,893.05
Your down payment$154,893.05
Closing costs + prepaids$12,983.87
Total buyer cash needed$167,876.93
Remaining funds due$167,876.93
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)$865.00
Initial HOA (3 months)$111.00
Prepaid interest, first (24 days)$932.87
Fees + prepaids$12,983.87
Your down payment is the seller’s equity. You take over the $305,107 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $167,876.93 is due at closing. Uses and sources reconcile at $472,983.87 each. Not a Closing Disclosure.