Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$237,956Cash toward the purchase price.
Closing costs + prepaids$12,250Not just lender fees.
Before credits & paid funds$250,206The complete starting cash picture.
Estimated remaining funds due at closing
$250,206No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,956.18
Your down payment$237,956.18
Closing costs + prepaids$12,249.52
Total buyer cash needed$250,205.70
Remaining funds due$250,205.70
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)$1,150.00
Prepaid interest, first (1 days)$24.52
Fees + prepaids$12,249.52
Your down payment is the seller’s equity. You take over the $222,044 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $250,205.70 is due at closing. Uses and sources reconcile at $472,249.52 each. Not a Closing Disclosure.