Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$466,451Cash toward the purchase price.
Closing costs + prepaids$12,451Not just lender fees.
Before credits & paid funds$478,902The complete starting cash picture.
Estimated remaining funds due at closing
$478,902No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$466,451.16
Your down payment$466,451.16
Closing costs + prepaids$12,450.50
Total buyer cash needed$478,901.66
Remaining funds due$478,901.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,047.50
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)$605.75
Initial HOA (3 months)$279.00
Prepaid interest, first (6 days)$43.25
Fees + prepaids$12,450.50
Your down payment is the seller’s equity. You take over the $38,299 balance, so the rest of the $504,750 price is paid at closing. A second mortgage can cover part of it. $478,901.66 is due at closing. Uses and sources reconcile at $517,200.50 each. Not a Closing Disclosure.