Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$366,518Cash toward the purchase price.
Closing costs + prepaids$11,823Not just lender fees.
Before credits & paid funds$378,342The complete starting cash picture.
Estimated remaining funds due at closing
$378,342No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$366,518.26
Your down payment$366,518.26
Closing costs + prepaids$11,823.41
Total buyer cash needed$378,341.66
Remaining funds due$378,341.66
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)$417.25
Prepaid interest, first (30 days)$331.16
Fees + prepaids$11,823.41
Your down payment is the seller’s equity. You take over the $93,482 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $378,341.66 is due at closing. Uses and sources reconcile at $471,823.41 each. Not a Closing Disclosure.