Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$476,221Cash toward the purchase price.
Closing costs + prepaids$11,879Not just lender fees.
Before credits & paid funds$488,100The complete starting cash picture.
Estimated remaining funds due at closing
$488,100No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$476,220.88
Your down payment$476,220.88
Closing costs + prepaids$11,879.12
Total buyer cash needed$488,100.00
Remaining funds due$488,100.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.00
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)$600.00
Prepaid interest, first (17 days)$5.12
Fees + prepaids$11,879.12
Your down payment is the seller’s equity. You take over the $3,679 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $488,100.00 is due at closing. Uses and sources reconcile at $491,779.12 each. Not a Closing Disclosure.