Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$160,351Cash toward the purchase price.
Closing costs + prepaids$12,392Not just lender fees.
Before credits & paid funds$172,743The complete starting cash picture.
Estimated remaining funds due at closing
$172,743No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,350.96
Your down payment$160,350.96
Closing costs + prepaids$12,391.80
Total buyer cash needed$172,742.76
Remaining funds due$172,742.76
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)$408.00
Prepaid interest, first (30 days)$908.80
Fees + prepaids$12,391.80
Your down payment is the seller’s equity. You take over the $299,649 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $172,742.76 is due at closing. Uses and sources reconcile at $472,391.80 each. Not a Closing Disclosure.