Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$222,914Cash toward the purchase price.
Closing costs + prepaids$11,951Not just lender fees.
Before credits & paid funds$234,866The complete starting cash picture.
Estimated remaining funds due at closing
$234,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,914.32
Your down payment$222,914.32
Closing costs + prepaids$11,951.26
Total buyer cash needed$234,865.57
Remaining funds due$234,865.57
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)$783.50
Initial HOA (3 months)$68.01
Prepaid interest, first (1 days)$24.75
Fees + prepaids$11,951.26
Your down payment is the seller’s equity. You take over the $237,086 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $234,865.57 is due at closing. Uses and sources reconcile at $471,951.26 each. Not a Closing Disclosure.