Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$452,575Cash toward the purchase price.
Closing costs + prepaids$11,520Not just lender fees.
Before credits & paid funds$464,095The complete starting cash picture.
Estimated remaining funds due at closing
$464,095No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$452,574.80
Your down payment$452,574.80
Closing costs + prepaids$11,520.32
Total buyer cash needed$464,095.12
Remaining funds due$464,095.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,600.00
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)$413.00
Prepaid interest, first (24 days)$32.32
Fees + prepaids$11,520.32
Your down payment is the seller’s equity. You take over the $7,425 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $464,095.12 is due at closing. Uses and sources reconcile at $471,520.32 each. Not a Closing Disclosure.