Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$454,074Cash toward the purchase price.
Closing costs + prepaids$13,674Not just lender fees.
Before credits & paid funds$467,747The complete starting cash picture.
Estimated remaining funds due at closing
$467,747No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$454,073.50
Your down payment$454,073.50
Closing costs + prepaids$13,673.64
Total buyer cash needed$467,747.14
Remaining funds due$467,747.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$1,355.75
Initial HOA (3 months)$441.00
Prepaid interest, first (30 days)$251.89
Fees + prepaids$13,673.64
Your down payment is the seller’s equity. You take over the $60,926 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $467,747.14 is due at closing. Uses and sources reconcile at $528,673.64 each. Not a Closing Disclosure.