Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$217,074Cash toward the purchase price.
Closing costs + prepaids$12,938Not just lender fees.
Before credits & paid funds$230,012The complete starting cash picture.
Estimated remaining funds due at closing
$230,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,074.02
Your down payment$217,074.02
Closing costs + prepaids$12,937.87
Total buyer cash needed$230,011.89
Remaining funds due$230,011.89
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)$560.00
Initial HOA (3 months)$390.00
Prepaid interest, first (18 days)$912.87
Fees + prepaids$12,937.87
Your down payment is the seller’s equity. You take over the $242,926 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $230,011.89 is due at closing. Uses and sources reconcile at $472,937.87 each. Not a Closing Disclosure.