Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$452,033Cash toward the purchase price.
Closing costs + prepaids$12,040Not just lender fees.
Before credits & paid funds$464,073The complete starting cash picture.
Estimated remaining funds due at closing
$464,073No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$452,033.14
Your down payment$452,033.14
Closing costs + prepaids$12,039.83
Total buyer cash needed$464,072.97
Remaining funds due$464,072.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$434.25
Prepaid interest, first (25 days)$140.58
Fees + prepaids$12,039.83
Your down payment is the seller’s equity. You take over the $46,967 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $464,072.97 is due at closing. Uses and sources reconcile at $511,039.83 each. Not a Closing Disclosure.