Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$97,323Cash toward the purchase price.
Closing costs + prepaids$13,351Not just lender fees.
Before credits & paid funds$110,673The complete starting cash picture.
Estimated remaining funds due at closing
$110,673No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,322.61
Your down payment$97,322.61
Closing costs + prepaids$13,350.67
Total buyer cash needed$110,673.29
Remaining funds due$110,673.29
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)$427.75
Initial HOA (3 months)$477.00
Prepaid interest, first (27 days)$1,370.92
Fees + prepaids$13,350.67
Your down payment is the seller’s equity. You take over the $362,677 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $110,673.29 is due at closing. Uses and sources reconcile at $473,350.67 each. Not a Closing Disclosure.