Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$461,308Cash toward the purchase price.
Closing costs + prepaids$11,773Not just lender fees.
Before credits & paid funds$473,080The complete starting cash picture.
Estimated remaining funds due at closing
$473,080No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$461,307.74
Your down payment$461,307.74
Closing costs + prepaids$11,772.50
Total buyer cash needed$473,080.24
Remaining funds due$473,080.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$470.75
Prepaid interest, first (31 days)$76.75
Fees + prepaids$11,772.50
Your down payment is the seller’s equity. You take over the $13,692 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $473,080.24 is due at closing. Uses and sources reconcile at $486,772.50 each. Not a Closing Disclosure.