Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$462,156Cash toward the purchase price.
Closing costs + prepaids$13,048Not just lender fees.
Before credits & paid funds$475,204The complete starting cash picture.
Estimated remaining funds due at closing
$475,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$462,156.12
Your down payment$462,156.12
Closing costs + prepaids$13,047.89
Total buyer cash needed$475,204.01
Remaining funds due$475,204.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,850.00
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)$1,551.25
Initial HOA (3 months)$87.51
Prepaid interest, first (22 days)$84.13
Fees + prepaids$13,047.89
Your down payment is the seller’s equity. You take over the $22,844 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $475,204.01 is due at closing. Uses and sources reconcile at $498,047.89 each. Not a Closing Disclosure.