Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$145,257Cash toward the purchase price.
Closing costs + prepaids$13,711Not just lender fees.
Before credits & paid funds$158,968The complete starting cash picture.
Estimated remaining funds due at closing
$158,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,256.76
Your down payment$145,256.76
Closing costs + prepaids$13,711.46
Total buyer cash needed$158,968.22
Remaining funds due$158,968.22
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)$1,806.25
Initial HOA (3 months)$110.01
Prepaid interest, first (29 days)$720.20
Fees + prepaids$13,711.46
Your down payment is the seller’s equity. You take over the $314,743 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $158,968.22 is due at closing. Uses and sources reconcile at $473,711.46 each. Not a Closing Disclosure.