Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$456,442Cash toward the purchase price.
Closing costs + prepaids$12,059Not just lender fees.
Before credits & paid funds$468,501The complete starting cash picture.
Estimated remaining funds due at closing
$468,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$456,441.84
Your down payment$456,441.84
Closing costs + prepaids$12,059.21
Total buyer cash needed$468,501.05
Remaining funds due$468,501.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,680.00
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)$628.00
Initial HOA (3 months)$231.00
Prepaid interest, first (22 days)$45.21
Fees + prepaids$12,059.21
Your down payment is the seller’s equity. You take over the $11,558 balance, so the rest of the $468,000 price is paid at closing. A second mortgage can cover part of it. $468,501.05 is due at closing. Uses and sources reconcile at $480,059.21 each. Not a Closing Disclosure.