Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$85,844Cash toward the purchase price.
Closing costs + prepaids$14,189Not just lender fees.
Before credits & paid funds$100,033The complete starting cash picture.
Estimated remaining funds due at closing
$100,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,844.05
Your down payment$85,844.05
Closing costs + prepaids$14,189.15
Total buyer cash needed$100,033.20
Remaining funds due$100,033.20
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)$1,334.50
Prepaid interest, first (27 days)$1,779.65
Fees + prepaids$14,189.15
Your down payment is the seller’s equity. You take over the $374,156 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $100,033.20 is due at closing. Uses and sources reconcile at $474,189.15 each. Not a Closing Disclosure.