Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$474,154Cash toward the purchase price.
Closing costs + prepaids$12,036Not just lender fees.
Before credits & paid funds$486,190The complete starting cash picture.
Estimated remaining funds due at closing
$486,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$474,154.42
Your down payment$474,154.42
Closing costs + prepaids$12,035.71
Total buyer cash needed$486,190.13
Remaining funds due$486,190.13
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)$686.75
Prepaid interest, first (28 days)$23.96
Fees + prepaids$12,035.71
Your down payment is the seller’s equity. You take over the $10,846 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $486,190.13 is due at closing. Uses and sources reconcile at $497,035.71 each. Not a Closing Disclosure.