Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$457,961Cash toward the purchase price.
Closing costs + prepaids$12,083Not just lender fees.
Before credits & paid funds$470,045The complete starting cash picture.
Estimated remaining funds due at closing
$470,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$457,961.42
Your down payment$457,961.42
Closing costs + prepaids$12,083.22
Total buyer cash needed$470,044.64
Remaining funds due$470,044.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,720.00
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)$821.00
Initial HOA (3 months)$37.50
Prepaid interest, first (28 days)$29.72
Fees + prepaids$12,083.22
Your down payment is the seller’s equity. You take over the $14,039 balance, so the rest of the $472,000 price is paid at closing. A second mortgage can cover part of it. $470,044.64 is due at closing. Uses and sources reconcile at $484,083.22 each. Not a Closing Disclosure.