Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$469,759Cash toward the purchase price.
Closing costs + prepaids$12,876Not just lender fees.
Before credits & paid funds$482,635The complete starting cash picture.
Estimated remaining funds due at closing
$482,635No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$469,758.76
Your down payment$469,758.76
Closing costs + prepaids$12,876.33
Total buyer cash needed$482,635.09
Remaining funds due$482,635.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,880.00
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)$1,283.00
Initial HOA (3 months)$165.00
Prepaid interest, first (23 days)$73.33
Fees + prepaids$12,876.33
Your down payment is the seller’s equity. You take over the $18,241 balance, so the rest of the $488,000 price is paid at closing. A second mortgage can cover part of it. $482,635.09 is due at closing. Uses and sources reconcile at $500,876.33 each. Not a Closing Disclosure.