Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$461,292Cash toward the purchase price.
Closing costs + prepaids$11,820Not just lender fees.
Before credits & paid funds$473,113The complete starting cash picture.
Estimated remaining funds due at closing
$473,113No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$461,292.50
Your down payment$461,292.50
Closing costs + prepaids$11,820.37
Total buyer cash needed$473,112.87
Remaining funds due$473,112.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$451.00
Prepaid interest, first (31 days)$104.37
Fees + prepaids$11,820.37
Your down payment is the seller’s equity. You take over the $17,708 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $473,112.87 is due at closing. Uses and sources reconcile at $490,820.37 each. Not a Closing Disclosure.