Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$469,484Cash toward the purchase price.
Closing costs + prepaids$12,542Not just lender fees.
Before credits & paid funds$482,025The complete starting cash picture.
Estimated remaining funds due at closing
$482,025No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$469,483.68
Your down payment$469,483.68
Closing costs + prepaids$12,541.62
Total buyer cash needed$482,025.29
Remaining funds due$482,025.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,848.70
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)$1,212.25
Prepaid interest, first (2 days)$5.67
Fees + prepaids$12,541.62
Your down payment is the seller’s equity. You take over the $15,386 balance, so the rest of the $484,870 price is paid at closing. A second mortgage can cover part of it. $482,025.29 is due at closing. Uses and sources reconcile at $497,411.62 each. Not a Closing Disclosure.