Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$216,849Cash toward the purchase price.
Closing costs + prepaids$12,076Not just lender fees.
Before credits & paid funds$228,925The complete starting cash picture.
Estimated remaining funds due at closing
$228,925No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,849.40
Your down payment$216,849.40
Closing costs + prepaids$12,075.76
Total buyer cash needed$228,925.16
Remaining funds due$228,925.16
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)$560.00
Initial HOA (3 months)$390.00
Prepaid interest, first (1 days)$50.76
Fees + prepaids$12,075.76
Your down payment is the seller’s equity. You take over the $243,151 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $228,925.16 is due at closing. Uses and sources reconcile at $472,075.76 each. Not a Closing Disclosure.