Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$132,439Cash toward the purchase price.
Closing costs + prepaids$12,491Not just lender fees.
Before credits & paid funds$144,930The complete starting cash picture.
Estimated remaining funds due at closing
$144,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,439.38
Your down payment$132,439.38
Closing costs + prepaids$12,491.11
Total buyer cash needed$144,930.49
Remaining funds due$144,930.49
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)$552.00
Initial HOA (3 months)$327.00
Prepaid interest, first (9 days)$537.11
Fees + prepaids$12,491.11
Your down payment is the seller’s equity. You take over the $327,561 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $144,930.49 is due at closing. Uses and sources reconcile at $472,491.11 each. Not a Closing Disclosure.