Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$459,898Cash toward the purchase price.
Closing costs + prepaids$14,329Not just lender fees.
Before credits & paid funds$474,227The complete starting cash picture.
Estimated remaining funds due at closing
$474,227No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$459,897.97
Your down payment$459,897.97
Closing costs + prepaids$14,329.43
Total buyer cash needed$474,227.40
Remaining funds due$474,227.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,849.99
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)$2,641.25
Initial HOA (3 months)$255.00
Prepaid interest, first (23 days)$108.19
Fees + prepaids$14,329.43
Your down payment is the seller’s equity. You take over the $25,101 balance, so the rest of the $484,999 price is paid at closing. A second mortgage can cover part of it. $474,227.40 is due at closing. Uses and sources reconcile at $499,328.43 each. Not a Closing Disclosure.