Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$467,874Cash toward the purchase price.
Closing costs + prepaids$13,724Not just lender fees.
Before credits & paid funds$481,598The complete starting cash picture.
Estimated remaining funds due at closing
$481,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$467,873.95
Your down payment$467,873.95
Closing costs + prepaids$13,724.03
Total buyer cash needed$481,597.99
Remaining funds due$481,597.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,759.00
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)$1,680.50
Initial HOA (3 months)$771.00
Prepaid interest, first (26 days)$38.53
Fees + prepaids$13,724.03
Your down payment is the seller’s equity. You take over the $8,026 balance, so the rest of the $475,900 price is paid at closing. A second mortgage can cover part of it. $481,597.99 is due at closing. Uses and sources reconcile at $489,624.03 each. Not a Closing Disclosure.