Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$468,111Cash toward the purchase price.
Closing costs + prepaids$13,115Not just lender fees.
Before credits & paid funds$481,227The complete starting cash picture.
Estimated remaining funds due at closing
$481,227No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$468,111.10
Your down payment$468,111.10
Closing costs + prepaids$13,115.47
Total buyer cash needed$481,226.57
Remaining funds due$481,226.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,149.99
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)$1,287.50
Prepaid interest, first (23 days)$202.98
Fees + prepaids$13,115.47
Your down payment is the seller’s equity. You take over the $46,888 balance, so the rest of the $514,999 price is paid at closing. A second mortgage can cover part of it. $481,226.57 is due at closing. Uses and sources reconcile at $528,114.47 each. Not a Closing Disclosure.