Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$272,766Cash toward the purchase price.
Closing costs + prepaids$12,185Not just lender fees.
Before credits & paid funds$284,951The complete starting cash picture.
Estimated remaining funds due at closing
$284,951No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,765.56
Your down payment$272,765.56
Closing costs + prepaids$12,185.22
Total buyer cash needed$284,950.78
Remaining funds due$284,950.78
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)$627.00
Prepaid interest, first (30 days)$483.22
Fees + prepaids$12,185.22
Your down payment is the seller’s equity. You take over the $187,234 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $284,950.78 is due at closing. Uses and sources reconcile at $472,185.22 each. Not a Closing Disclosure.