Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$468,828Cash toward the purchase price.
Closing costs + prepaids$11,944Not just lender fees.
Before credits & paid funds$480,772The complete starting cash picture.
Estimated remaining funds due at closing
$480,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$468,827.70
Your down payment$468,827.70
Closing costs + prepaids$11,944.16
Total buyer cash needed$480,771.86
Remaining funds due$480,771.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,740.00
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)$719.50
Prepaid interest, first (24 days)$9.66
Fees + prepaids$11,944.16
Your down payment is the seller’s equity. You take over the $5,172 balance, so the rest of the $474,000 price is paid at closing. A second mortgage can cover part of it. $480,771.86 is due at closing. Uses and sources reconcile at $485,944.16 each. Not a Closing Disclosure.