Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$464,772Cash toward the purchase price.
Closing costs + prepaids$19,484Not just lender fees.
Before credits & paid funds$484,256The complete starting cash picture.
Estimated remaining funds due at closing
$484,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$464,771.89
Your down payment$464,771.89
Closing costs + prepaids$19,484.47
Total buyer cash needed$484,256.36
Remaining funds due$484,256.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,750.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$762.75
Initial HOA (3 months)$660.00
Prepaid interest, first (26 days)$1,086.72
Fees + prepaids$19,484.47
Your down payment is the seller’s equity. You take over the $510,228 balance, so the rest of the $975,000 price is paid at closing. A second mortgage can cover part of it. $484,256.36 is due at closing. Uses and sources reconcile at $994,484.47 each. Not a Closing Disclosure.