Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$132,114Cash toward the purchase price.
Closing costs + prepaids$12,180Not just lender fees.
Before credits & paid funds$144,294The complete starting cash picture.
Estimated remaining funds due at closing
$144,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,113.92
Your down payment$132,113.92
Closing costs + prepaids$12,180.23
Total buyer cash needed$144,294.15
Remaining funds due$144,294.15
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)$658.75
Initial HOA (3 months)$327.00
Prepaid interest, first (2 days)$119.48
Fees + prepaids$12,180.23
Your down payment is the seller’s equity. You take over the $327,886 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $144,294.15 is due at closing. Uses and sources reconcile at $472,180.23 each. Not a Closing Disclosure.