Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$465,114Cash toward the purchase price.
Closing costs + prepaids$13,433Not just lender fees.
Before credits & paid funds$478,547The complete starting cash picture.
Estimated remaining funds due at closing
$478,547No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$465,113.96
Your down payment$465,113.96
Closing costs + prepaids$13,433.33
Total buyer cash needed$478,547.28
Remaining funds due$478,547.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$2,014.00
Initial HOA (3 months)$149.01
Prepaid interest, first (25 days)$46.32
Fees + prepaids$13,433.33
Your down payment is the seller’s equity. You take over the $9,786 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $478,547.28 is due at closing. Uses and sources reconcile at $488,333.33 each. Not a Closing Disclosure.