Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$239,025Cash toward the purchase price.
Closing costs + prepaids$12,640Not just lender fees.
Before credits & paid funds$251,665The complete starting cash picture.
Estimated remaining funds due at closing
$251,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,025.18
Your down payment$239,025.18
Closing costs + prepaids$12,639.71
Total buyer cash needed$251,664.89
Remaining funds due$251,664.89
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)$616.25
Initial HOA (3 months)$360.00
Prepaid interest, first (27 days)$588.46
Fees + prepaids$12,639.71
Your down payment is the seller’s equity. You take over the $220,975 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $251,664.89 is due at closing. Uses and sources reconcile at $472,639.71 each. Not a Closing Disclosure.