Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$68,271Cash toward the purchase price.
Closing costs + prepaids$12,228Not just lender fees.
Before credits & paid funds$80,499The complete starting cash picture.
Estimated remaining funds due at closing
$80,499No 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$12,227.82
Total buyer cash needed$80,499.23
Remaining funds due$80,499.23
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)$257.75
Prepaid interest, first (20 days)$895.07
Fees + prepaids$12,227.82
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. $80,499.23 is due at closing. Uses and sources reconcile at $472,227.82 each. Not a Closing Disclosure.