Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$450,820Cash toward the purchase price.
Closing costs + prepaids$12,299Not just lender fees.
Before credits & paid funds$463,120The complete starting cash picture.
Estimated remaining funds due at closing
$463,120No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$450,820.48
Your down payment$450,820.48
Closing costs + prepaids$12,299.25
Total buyer cash needed$463,119.72
Remaining funds due$463,119.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.99
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)$588.00
Initial HOA (3 months)$285.99
Prepaid interest, first (7 days)$50.27
Fees + prepaids$12,299.25
Your down payment is the seller’s equity. You take over the $39,179 balance, so the rest of the $489,999 price is paid at closing. A second mortgage can cover part of it. $463,119.72 is due at closing. Uses and sources reconcile at $502,298.25 each. Not a Closing Disclosure.