Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$457,053Cash toward the purchase price.
Closing costs + prepaids$12,009Not just lender fees.
Before credits & paid funds$469,062The complete starting cash picture.
Estimated remaining funds due at closing
$469,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$457,053.27
Your down payment$457,053.27
Closing costs + prepaids$12,008.64
Total buyer cash needed$469,061.91
Remaining funds due$469,061.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$687.75
Initial HOA (3 months)$71.01
Prepaid interest, first (31 days)$74.88
Fees + prepaids$12,008.64
Your down payment is the seller’s equity. You take over the $12,947 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $469,061.91 is due at closing. Uses and sources reconcile at $482,008.64 each. Not a Closing Disclosure.