Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$73,237Cash toward the purchase price.
Closing costs + prepaids$13,467Not just lender fees.
Before credits & paid funds$86,704The complete starting cash picture.
Estimated remaining funds due at closing
$86,704No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,237.18
Your down payment$73,237.18
Closing costs + prepaids$13,466.58
Total buyer cash needed$86,703.76
Remaining funds due$86,703.76
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)$575.00
Initial HOA (3 months)$525.00
Prepaid interest, first (17 days)$1,291.58
Fees + prepaids$13,466.58
Your down payment is the seller’s equity. You take over the $386,763 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $86,703.76 is due at closing. Uses and sources reconcile at $473,466.58 each. Not a Closing Disclosure.