Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$469,739Cash toward the purchase price.
Closing costs + prepaids$12,806Not just lender fees.
Before credits & paid funds$482,545The complete starting cash picture.
Estimated remaining funds due at closing
$482,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$469,738.59
Your down payment$469,738.59
Closing costs + prepaids$12,806.19
Total buyer cash needed$482,544.79
Remaining funds due$482,544.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,880.00
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)$1,283.00
Initial HOA (3 months)$165.00
Prepaid interest, first (1 days)$3.19
Fees + prepaids$12,806.19
Your down payment is the seller’s equity. You take over the $18,261 balance, so the rest of the $488,000 price is paid at closing. A second mortgage can cover part of it. $482,544.79 is due at closing. Uses and sources reconcile at $500,806.19 each. Not a Closing Disclosure.