Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$469,505Cash toward the purchase price.
Closing costs + prepaids$12,601Not just lender fees.
Before credits & paid funds$482,106The complete starting cash picture.
Estimated remaining funds due at closing
$482,106No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$469,505.25
Your down payment$469,505.25
Closing costs + prepaids$12,601.01
Total buyer cash needed$482,106.26
Remaining funds due$482,106.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,848.70
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)$1,212.25
Prepaid interest, first (23 days)$65.06
Fees + prepaids$12,601.01
Your down payment is the seller’s equity. You take over the $15,365 balance, so the rest of the $484,870 price is paid at closing. A second mortgage can cover part of it. $482,106.26 is due at closing. Uses and sources reconcile at $497,471.01 each. Not a Closing Disclosure.