Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$223,526Cash toward the purchase price.
Closing costs + prepaids$12,470Not just lender fees.
Before credits & paid funds$235,996The complete starting cash picture.
Estimated remaining funds due at closing
$235,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,526.30
Your down payment$223,526.30
Closing costs + prepaids$12,469.56
Total buyer cash needed$235,995.86
Remaining funds due$235,995.86
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)$783.50
Initial HOA (3 months)$68.01
Prepaid interest, first (22 days)$543.05
Fees + prepaids$12,469.56
Your down payment is the seller’s equity. You take over the $236,474 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $235,995.86 is due at closing. Uses and sources reconcile at $472,469.56 each. Not a Closing Disclosure.