Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$429,403Cash toward the purchase price.
Closing costs + prepaids$12,395Not just lender fees.
Before credits & paid funds$441,798The complete starting cash picture.
Estimated remaining funds due at closing
$441,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$429,403.02
Your down payment$429,403.02
Closing costs + prepaids$12,395.33
Total buyer cash needed$441,798.35
Remaining funds due$441,798.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$1,051.25
Prepaid interest, first (22 days)$169.08
Fees + prepaids$12,395.33
Your down payment is the seller’s equity. You take over the $40,597 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $441,798.35 is due at closing. Uses and sources reconcile at $482,395.33 each. Not a Closing Disclosure.