Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$459,283Cash toward the purchase price.
Closing costs + prepaids$12,255Not just lender fees.
Before credits & paid funds$471,538The complete starting cash picture.
Estimated remaining funds due at closing
$471,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$459,283.21
Your down payment$459,283.21
Closing costs + prepaids$12,254.76
Total buyer cash needed$471,537.97
Remaining funds due$471,537.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$854.50
Initial HOA (3 months)$90.00
Prepaid interest, first (24 days)$85.26
Fees + prepaids$12,254.76
Your down payment is the seller’s equity. You take over the $15,717 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $471,537.97 is due at closing. Uses and sources reconcile at $487,254.76 each. Not a Closing Disclosure.