Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$68,271Cash toward the purchase price.
Closing costs + prepaids$12,030Not just lender fees.
Before credits & paid funds$80,301The complete starting cash picture.
Estimated remaining funds due at closing
$80,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,271.41
Your down payment$68,271.41
Closing costs + prepaids$12,029.78
Total buyer cash needed$80,301.19
Remaining funds due$80,301.19
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)$552.00
Prepaid interest, first (9 days)$402.78
Fees + prepaids$12,029.78
Your down payment is the seller’s equity. You take over the $391,729 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $80,301.19 is due at closing. Uses and sources reconcile at $472,029.78 each. Not a Closing Disclosure.