Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$234,777Cash toward the purchase price.
Closing costs + prepaids$11,507Not just lender fees.
Before credits & paid funds$246,285The complete starting cash picture.
Estimated remaining funds due at closing
$246,285No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,777.47
Your down payment$234,777.47
Closing costs + prepaids$11,507.13
Total buyer cash needed$246,284.60
Remaining funds due$246,284.60
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)$413.00
Prepaid interest, first (1 days)$19.13
Fees + prepaids$11,507.13
Your down payment is the seller’s equity. You take over the $225,223 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $246,284.60 is due at closing. Uses and sources reconcile at $471,507.13 each. Not a Closing Disclosure.