Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$207,650Cash toward the purchase price.
Closing costs + prepaids$12,612Not just lender fees.
Before credits & paid funds$220,262The complete starting cash picture.
Estimated remaining funds due at closing
$220,262No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,649.81
Your down payment$207,649.81
Closing costs + prepaids$12,612.38
Total buyer cash needed$220,262.19
Remaining funds due$220,262.19
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)$526.50
Initial HOA (3 months)$54.99
Prepaid interest, first (31 days)$955.89
Fees + prepaids$12,612.38
Your down payment is the seller’s equity. You take over the $252,350 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $220,262.19 is due at closing. Uses and sources reconcile at $472,612.38 each. Not a Closing Disclosure.