Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$99,239Cash toward the purchase price.
Closing costs + prepaids$14,426Not just lender fees.
Before credits & paid funds$113,665The complete starting cash picture.
Estimated remaining funds due at closing
$113,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,239.34
Your down payment$99,239.34
Closing costs + prepaids$14,426.06
Total buyer cash needed$113,665.40
Remaining funds due$113,665.40
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)$1,150.00
Initial HOA (3 months)$1,440.00
Prepaid interest, first (22 days)$761.06
Fees + prepaids$14,426.06
Your down payment is the seller’s equity. You take over the $360,761 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $113,665.40 is due at closing. Uses and sources reconcile at $474,426.06 each. Not a Closing Disclosure.