Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$445,713Cash toward the purchase price.
Closing costs + prepaids$12,454Not just lender fees.
Before credits & paid funds$458,166The complete starting cash picture.
Estimated remaining funds due at closing
$458,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$445,712.65
Your down payment$445,712.65
Closing costs + prepaids$12,453.51
Total buyer cash needed$458,166.16
Remaining funds due$458,166.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$1,172.50
Prepaid interest, first (29 days)$116.01
Fees + prepaids$12,453.51
Your down payment is the seller’s equity. You take over the $23,287 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $458,166.16 is due at closing. Uses and sources reconcile at $481,453.51 each. Not a Closing Disclosure.