Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$58,117Cash toward the purchase price.
Closing costs + prepaids$14,185Not just lender fees.
Before credits & paid funds$72,302The complete starting cash picture.
Estimated remaining funds due at closing
$72,302No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,116.84
Your down payment$58,116.84
Closing costs + prepaids$14,184.90
Total buyer cash needed$72,301.73
Remaining funds due$72,301.73
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)$994.00
Initial HOA (3 months)$106.26
Prepaid interest, first (26 days)$2,009.64
Fees + prepaids$14,184.90
Your down payment is the seller’s equity. You take over the $401,883 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $72,301.73 is due at closing. Uses and sources reconcile at $474,184.90 each. Not a Closing Disclosure.