Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$286,485Cash toward the purchase price.
Closing costs + prepaids$12,618Not just lender fees.
Before credits & paid funds$299,103The complete starting cash picture.
Estimated remaining funds due at closing
$299,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,484.95
Your down payment$286,484.95
Closing costs + prepaids$12,617.69
Total buyer cash needed$299,102.65
Remaining funds due$299,102.65
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)$1,018.25
Prepaid interest, first (28 days)$524.44
Fees + prepaids$12,617.69
Your down payment is the seller’s equity. You take over the $173,515 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $299,102.65 is due at closing. Uses and sources reconcile at $472,617.69 each. Not a Closing Disclosure.