Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$449,638Cash toward the purchase price.
Closing costs + prepaids$13,171Not just lender fees.
Before credits & paid funds$462,808The complete starting cash picture.
Estimated remaining funds due at closing
$462,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$449,637.64
Your down payment$449,637.64
Closing costs + prepaids$13,170.50
Total buyer cash needed$462,808.14
Remaining funds due$462,808.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$1,162.50
Initial HOA (3 months)$813.00
Prepaid interest, first (24 days)$70.00
Fees + prepaids$13,170.50
Your down payment is the seller’s equity. You take over the $15,362 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $462,808.14 is due at closing. Uses and sources reconcile at $478,170.50 each. Not a Closing Disclosure.