Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$210,706Cash toward the purchase price.
Closing costs + prepaids$13,744Not just lender fees.
Before credits & paid funds$224,450The complete starting cash picture.
Estimated remaining funds due at closing
$224,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,706.19
Your down payment$210,706.19
Closing costs + prepaids$13,743.59
Total buyer cash needed$224,449.79
Remaining funds due$224,449.79
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)$1,949.00
Initial HOA (3 months)$165.00
Prepaid interest, first (28 days)$554.59
Fees + prepaids$13,743.59
Your down payment is the seller’s equity. You take over the $249,294 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $224,449.79 is due at closing. Uses and sources reconcile at $473,743.59 each. Not a Closing Disclosure.