Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$398,475Cash toward the purchase price.
Closing costs + prepaids$13,769Not just lender fees.
Before credits & paid funds$412,244The complete starting cash picture.
Estimated remaining funds due at closing
$412,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$398,475.22
Your down payment$398,475.22
Closing costs + prepaids$13,768.74
Total buyer cash needed$412,243.96
Remaining funds due$412,243.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$2,416.50
Initial HOA (3 months)$37.50
Prepaid interest, first (25 days)$149.74
Fees + prepaids$13,768.74
Your down payment is the seller’s equity. You take over the $70,525 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $412,243.96 is due at closing. Uses and sources reconcile at $482,768.74 each. Not a Closing Disclosure.