Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$172,988Cash toward the purchase price.
Closing costs + prepaids$12,191Not just lender fees.
Before credits & paid funds$185,179The complete starting cash picture.
Estimated remaining funds due at closing
$185,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,987.79
Your down payment$172,987.79
Closing costs + prepaids$12,191.14
Total buyer cash needed$185,178.93
Remaining funds due$185,178.93
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)$942.00
Initial HOA (3 months)$129.00
Prepaid interest, first (2 days)$45.14
Fees + prepaids$12,191.14
Your down payment is the seller’s equity. You take over the $287,012 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $185,178.93 is due at closing. Uses and sources reconcile at $472,191.14 each. Not a Closing Disclosure.