Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$283,154Cash toward the purchase price.
Closing costs + prepaids$12,309Not just lender fees.
Before credits & paid funds$295,464The complete starting cash picture.
Estimated remaining funds due at closing
$295,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,154.35
Your down payment$283,154.35
Closing costs + prepaids$12,309.33
Total buyer cash needed$295,463.67
Remaining funds due$295,463.67
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)$525.00
Initial HOA (3 months)$141.00
Prepaid interest, first (30 days)$568.33
Fees + prepaids$12,309.33
Your down payment is the seller’s equity. You take over the $176,846 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $295,463.67 is due at closing. Uses and sources reconcile at $472,309.33 each. Not a Closing Disclosure.