Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$459,220Cash toward the purchase price.
Closing costs + prepaids$12,505Not just lender fees.
Before credits & paid funds$471,726The complete starting cash picture.
Estimated remaining funds due at closing
$471,726No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$459,220.32
Your down payment$459,220.32
Closing costs + prepaids$12,505.18
Total buyer cash needed$471,725.51
Remaining funds due$471,725.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,784.25
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)$1,196.00
Prepaid interest, first (26 days)$49.93
Fees + prepaids$12,505.18
Your down payment is the seller’s equity. You take over the $19,205 balance, so the rest of the $478,425 price is paid at closing. A second mortgage can cover part of it. $471,725.51 is due at closing. Uses and sources reconcile at $490,930.18 each. Not a Closing Disclosure.