Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$449,412Cash toward the purchase price.
Closing costs + prepaids$14,801Not just lender fees.
Before credits & paid funds$464,213The complete starting cash picture.
Estimated remaining funds due at closing
$464,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$449,412.38
Your down payment$449,412.38
Closing costs + prepaids$14,800.73
Total buyer cash needed$464,213.10
Remaining funds due$464,213.10
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)$1,175.00
Initial HOA (3 months)$2,358.00
Prepaid interest, first (24 days)$92.73
Fees + prepaids$14,800.73
Your down payment is the seller’s equity. You take over the $20,588 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $464,213.10 is due at closing. Uses and sources reconcile at $484,800.73 each. Not a Closing Disclosure.