Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$457,929Cash toward the purchase price.
Closing costs + prepaids$11,949Not just lender fees.
Before credits & paid funds$469,877The complete starting cash picture.
Estimated remaining funds due at closing
$469,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$457,928.62
Your down payment$457,928.62
Closing costs + prepaids$11,948.62
Total buyer cash needed$469,877.24
Remaining funds due$469,877.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$638.25
Prepaid interest, first (26 days)$85.37
Fees + prepaids$11,948.62
Your down payment is the seller’s equity. You take over the $17,071 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $469,877.24 is due at closing. Uses and sources reconcile at $486,948.62 each. Not a Closing Disclosure.