Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$462,244Cash toward the purchase price.
Closing costs + prepaids$11,904Not just lender fees.
Before credits & paid funds$474,147The complete starting cash picture.
Estimated remaining funds due at closing
$474,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$462,243.56
Your down payment$462,243.56
Closing costs + prepaids$11,903.86
Total buyer cash needed$474,147.41
Remaining funds due$474,147.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
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)$564.00
Initial HOA (3 months)$153.00
Prepaid interest, first (9 days)$12.86
Fees + prepaids$11,903.86
Your down payment is the seller’s equity. You take over the $7,656 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $474,147.41 is due at closing. Uses and sources reconcile at $481,803.86 each. Not a Closing Disclosure.