Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$100,016Cash toward the purchase price.
Closing costs + prepaids$13,749Not just lender fees.
Before credits & paid funds$113,764The complete starting cash picture.
Estimated remaining funds due at closing
$113,764No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,015.65
Your down payment$100,015.65
Closing costs + prepaids$13,748.78
Total buyer cash needed$113,764.43
Remaining funds due$113,764.43
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)$504.25
Initial HOA (3 months)$270.00
Prepaid interest, first (30 days)$1,899.53
Fees + prepaids$13,748.78
Your down payment is the seller’s equity. You take over the $359,984 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $113,764.43 is due at closing. Uses and sources reconcile at $473,748.78 each. Not a Closing Disclosure.