Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$78,067Cash toward the purchase price.
Closing costs + prepaids$14,597Not just lender fees.
Before credits & paid funds$92,664The complete starting cash picture.
Estimated remaining funds due at closing
$92,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,066.81
Your down payment$78,066.81
Closing costs + prepaids$14,596.94
Total buyer cash needed$92,663.74
Remaining funds due$92,663.74
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)$1,405.50
Initial HOA (3 months)$345.00
Prepaid interest, first (27 days)$1,771.44
Fees + prepaids$14,596.94
Your down payment is the seller’s equity. You take over the $381,933 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $92,663.74 is due at closing. Uses and sources reconcile at $474,596.94 each. Not a Closing Disclosure.