Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$454,166Cash toward the purchase price.
Closing costs + prepaids$13,564Not just lender fees.
Before credits & paid funds$467,730The complete starting cash picture.
Estimated remaining funds due at closing
$467,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$454,165.83
Your down payment$454,165.83
Closing costs + prepaids$13,563.89
Total buyer cash needed$467,729.72
Remaining funds due$467,729.72
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)$1,175.00
Initial HOA (3 months)$1,125.00
Prepaid interest, first (30 days)$88.89
Fees + prepaids$13,563.89
Your down payment is the seller’s equity. You take over the $15,834 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $467,729.72 is due at closing. Uses and sources reconcile at $483,563.89 each. Not a Closing Disclosure.