Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$107,933Cash toward the purchase price.
Closing costs + prepaids$13,614Not just lender fees.
Before credits & paid funds$121,548The complete starting cash picture.
Estimated remaining funds due at closing
$121,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,933.45
Your down payment$107,933.45
Closing costs + prepaids$13,614.19
Total buyer cash needed$121,547.64
Remaining funds due$121,547.64
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)$536.50
Initial HOA (3 months)$83.01
Prepaid interest, first (31 days)$1,919.68
Fees + prepaids$13,614.19
Your down payment is the seller’s equity. You take over the $352,067 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $121,547.64 is due at closing. Uses and sources reconcile at $473,614.19 each. Not a Closing Disclosure.