Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$465,657Cash toward the purchase price.
Closing costs + prepaids$12,361Not just lender fees.
Before credits & paid funds$478,018The complete starting cash picture.
Estimated remaining funds due at closing
$478,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$465,656.56
Your down payment$465,656.56
Closing costs + prepaids$12,361.46
Total buyer cash needed$478,018.01
Remaining funds due$478,018.01
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)$1,121.25
Prepaid interest, first (22 days)$15.21
Fees + prepaids$12,361.46
Your down payment is the seller’s equity. You take over the $9,343 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $478,018.01 is due at closing. Uses and sources reconcile at $487,361.46 each. Not a Closing Disclosure.