Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$461,833Cash toward the purchase price.
Closing costs + prepaids$12,103Not just lender fees.
Before credits & paid funds$473,936The complete starting cash picture.
Estimated remaining funds due at closing
$473,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$461,833.43
Your down payment$461,833.43
Closing costs + prepaids$12,102.97
Total buyer cash needed$473,936.39
Remaining funds due$473,936.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,800.00
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)$545.75
Initial HOA (3 months)$195.00
Prepaid interest, first (26 days)$87.22
Fees + prepaids$12,102.97
Your down payment is the seller’s equity. You take over the $18,167 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $473,936.39 is due at closing. Uses and sources reconcile at $492,102.97 each. Not a Closing Disclosure.