Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$455,970Cash toward the purchase price.
Closing costs + prepaids$12,277Not just lender fees.
Before credits & paid funds$468,247The complete starting cash picture.
Estimated remaining funds due at closing
$468,247No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$455,970.40
Your down payment$455,970.40
Closing costs + prepaids$12,276.55
Total buyer cash needed$468,246.94
Remaining funds due$468,246.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$600.00
Initial HOA (3 months)$154.50
Prepaid interest, first (10 days)$47.05
Fees + prepaids$12,276.55
Your down payment is the seller’s equity. You take over the $44,030 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $468,246.94 is due at closing. Uses and sources reconcile at $512,276.55 each. Not a Closing Disclosure.