Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$214,646Cash toward the purchase price.
Closing costs + prepaids$12,352Not just lender fees.
Before credits & paid funds$226,998The complete starting cash picture.
Estimated remaining funds due at closing
$226,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,646.16
Your down payment$214,646.16
Closing costs + prepaids$12,352.33
Total buyer cash needed$226,998.49
Remaining funds due$226,998.49
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)$405.50
Initial HOA (3 months)$129.99
Prepaid interest, first (31 days)$741.84
Fees + prepaids$12,352.33
Your down payment is the seller’s equity. You take over the $245,354 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $226,998.49 is due at closing. Uses and sources reconcile at $472,352.33 each. Not a Closing Disclosure.