Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$452,624Cash toward the purchase price.
Closing costs + prepaids$12,623Not just lender fees.
Before credits & paid funds$465,247The complete starting cash picture.
Estimated remaining funds due at closing
$465,247No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$452,623.65
Your down payment$452,623.65
Closing costs + prepaids$12,623.37
Total buyer cash needed$465,247.02
Remaining funds due$465,247.02
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)$785.50
Initial HOA (3 months)$120.00
Prepaid interest, first (31 days)$252.87
Fees + prepaids$12,623.37
Your down payment is the seller’s equity. You take over the $46,376 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $465,247.02 is due at closing. Uses and sources reconcile at $511,623.37 each. Not a Closing Disclosure.