Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$404,520Cash toward the purchase price.
Closing costs + prepaids$12,281Not just lender fees.
Before credits & paid funds$416,801The complete starting cash picture.
Estimated remaining funds due at closing
$416,801No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$404,520.26
Your down payment$404,520.26
Closing costs + prepaids$12,280.71
Total buyer cash needed$416,800.97
Remaining funds due$416,800.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
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)$756.00
Initial HOA (3 months)$168.00
Prepaid interest, first (24 days)$182.71
Fees + prepaids$12,280.71
Your down payment is the seller’s equity. You take over the $65,380 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $416,800.97 is due at closing. Uses and sources reconcile at $482,180.71 each. Not a Closing Disclosure.