Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$123,099Cash toward the purchase price.
Closing costs + prepaids$12,705Not just lender fees.
Before credits & paid funds$135,804The complete starting cash picture.
Estimated remaining funds due at closing
$135,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,098.97
Your down payment$123,098.97
Closing costs + prepaids$12,704.68
Total buyer cash needed$135,803.65
Remaining funds due$135,803.65
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)$399.75
Initial HOA (3 months)$150.00
Prepaid interest, first (18 days)$1,079.93
Fees + prepaids$12,704.68
Your down payment is the seller’s equity. You take over the $336,901 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $135,803.65 is due at closing. Uses and sources reconcile at $472,704.68 each. Not a Closing Disclosure.