Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$447,514Cash toward the purchase price.
Closing costs + prepaids$16,887Not just lender fees.
Before credits & paid funds$464,401The complete starting cash picture.
Estimated remaining funds due at closing
$464,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$447,514.48
Your down payment$447,514.48
Closing costs + prepaids$16,886.51
Total buyer cash needed$464,400.99
Remaining funds due$464,400.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,142.80
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,785.75
Initial HOA (3 months)$105.00
Prepaid interest, first (24 days)$627.96
Fees + prepaids$16,886.51
Your down payment is the seller’s equity. You take over the $266,766 balance, so the rest of the $714,280 price is paid at closing. A second mortgage can cover part of it. $464,400.99 is due at closing. Uses and sources reconcile at $731,166.51 each. Not a Closing Disclosure.