Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$447,806Cash toward the purchase price.
Closing costs + prepaids$11,849Not just lender fees.
Before credits & paid funds$459,654The complete starting cash picture.
Estimated remaining funds due at closing
$459,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$447,805.81
Your down payment$447,805.81
Closing costs + prepaids$11,848.68
Total buyer cash needed$459,654.49
Remaining funds due$459,654.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$526.00
Initial HOA (3 months)$189.00
Prepaid interest, first (31 days)$59.68
Fees + prepaids$11,848.68
Your down payment is the seller’s equity. You take over the $12,094 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $459,654.49 is due at closing. Uses and sources reconcile at $471,748.68 each. Not a Closing Disclosure.