Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$451,117Cash toward the purchase price.
Closing costs + prepaids$11,790Not just lender fees.
Before credits & paid funds$462,907The complete starting cash picture.
Estimated remaining funds due at closing
$462,907No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$451,117.06
Your down payment$451,117.06
Closing costs + prepaids$11,789.98
Total buyer cash needed$462,907.04
Remaining funds due$462,907.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$587.50
Prepaid interest, first (16 days)$27.48
Fees + prepaids$11,789.98
Your down payment is the seller’s equity. You take over the $18,883 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $462,907.04 is due at closing. Uses and sources reconcile at $481,789.98 each. Not a Closing Disclosure.