Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$465,026Cash toward the purchase price.
Closing costs + prepaids$12,385Not just lender fees.
Before credits & paid funds$477,410The complete starting cash picture.
Estimated remaining funds due at closing
$477,410No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$465,025.73
Your down payment$465,025.73
Closing costs + prepaids$12,384.67
Total buyer cash needed$477,410.41
Remaining funds due$477,410.41
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)$1,113.50
Prepaid interest, first (24 days)$46.17
Fees + prepaids$12,384.67
Your down payment is the seller’s equity. You take over the $9,974 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $477,410.41 is due at closing. Uses and sources reconcile at $487,384.67 each. Not a Closing Disclosure.