Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$468,409Cash toward the purchase price.
Closing costs + prepaids$11,635Not just lender fees.
Before credits & paid funds$480,044The complete starting cash picture.
Estimated remaining funds due at closing
$480,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$468,409.16
Your down payment$468,409.16
Closing costs + prepaids$11,634.62
Total buyer cash needed$480,043.78
Remaining funds due$480,043.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$376.00
Prepaid interest, first (28 days)$33.62
Fees + prepaids$11,634.62
Your down payment is the seller’s equity. You take over the $6,591 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $480,043.78 is due at closing. Uses and sources reconcile at $486,634.62 each. Not a Closing Disclosure.