Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$452,575Cash toward the purchase price.
Closing costs + prepaids$11,519Not just lender fees.
Before credits & paid funds$464,094The complete starting cash picture.
Estimated remaining funds due at closing
$464,094No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$452,574.80
Your down payment$452,574.80
Closing costs + prepaids$11,518.97
Total buyer cash needed$464,093.77
Remaining funds due$464,093.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,600.00
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)$413.00
Prepaid interest, first (23 days)$30.97
Fees + prepaids$11,518.97
Your down payment is the seller’s equity. You take over the $7,425 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $464,093.77 is due at closing. Uses and sources reconcile at $471,518.97 each. Not a Closing Disclosure.