Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$465,103Cash toward the purchase price.
Closing costs + prepaids$12,475Not just lender fees.
Before credits & paid funds$477,577The complete starting cash picture.
Estimated remaining funds due at closing
$477,577No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$465,102.73
Your down payment$465,102.73
Closing costs + prepaids$12,474.72
Total buyer cash needed$477,577.45
Remaining funds due$477,577.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,038.88
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)$604.75
Initial HOA (3 months)$288.00
Prepaid interest, first (9 days)$68.09
Fees + prepaids$12,474.72
Your down payment is the seller’s equity. You take over the $38,785 balance, so the rest of the $503,888 price is paid at closing. A second mortgage can cover part of it. $477,577.45 is due at closing. Uses and sources reconcile at $516,362.72 each. Not a Closing Disclosure.