Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$452,005Cash toward the purchase price.
Closing costs + prepaids$13,565Not just lender fees.
Before credits & paid funds$465,570The complete starting cash picture.
Estimated remaining funds due at closing
$465,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$452,004.74
Your down payment$452,004.74
Closing costs + prepaids$13,564.93
Total buyer cash needed$465,569.66
Remaining funds due$465,569.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,800.00
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)$1,200.00
Initial HOA (3 months)$972.00
Prepaid interest, first (25 days)$117.93
Fees + prepaids$13,564.93
Your down payment is the seller’s equity. You take over the $27,995 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $465,569.66 is due at closing. Uses and sources reconcile at $493,564.93 each. Not a Closing Disclosure.