Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$448,872Cash toward the purchase price.
Closing costs + prepaids$12,174Not just lender fees.
Before credits & paid funds$461,046The complete starting cash picture.
Estimated remaining funds due at closing
$461,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$448,872.27
Your down payment$448,872.27
Closing costs + prepaids$12,173.98
Total buyer cash needed$461,046.25
Remaining funds due$461,046.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$618.75
Prepaid interest, first (15 days)$130.23
Fees + prepaids$12,173.98
Your down payment is the seller’s equity. You take over the $46,128 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $461,046.25 is due at closing. Uses and sources reconcile at $507,173.98 each. Not a Closing Disclosure.