Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$430,548Cash toward the purchase price.
Closing costs + prepaids$13,603Not just lender fees.
Before credits & paid funds$444,151The complete starting cash picture.
Estimated remaining funds due at closing
$444,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$430,548.41
Your down payment$430,548.41
Closing costs + prepaids$13,602.97
Total buyer cash needed$444,151.38
Remaining funds due$444,151.38
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)$1,140.00
Prepaid interest, first (26 days)$175.47
Fees + prepaids$13,602.97
Your down payment is the seller’s equity. You take over the $34,452 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $444,151.38 is due at closing. Uses and sources reconcile at $478,602.97 each. Not a Closing Disclosure.