Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$462,406Cash toward the purchase price.
Closing costs + prepaids$13,007Not just lender fees.
Before credits & paid funds$475,412The complete starting cash picture.
Estimated remaining funds due at closing
$475,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$462,405.91
Your down payment$462,405.91
Closing costs + prepaids$13,006.59
Total buyer cash needed$475,412.50
Remaining funds due$475,412.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,747.50
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)$1,575.00
Initial HOA (3 months)$150.00
Prepaid interest, first (26 days)$59.09
Fees + prepaids$13,006.59
Your down payment is the seller’s equity. You take over the $12,344 balance, so the rest of the $474,750 price is paid at closing. A second mortgage can cover part of it. $475,412.50 is due at closing. Uses and sources reconcile at $487,756.59 each. Not a Closing Disclosure.