Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$459,000Cash toward the purchase price.
Closing costs + prepaids$13,188Not just lender fees.
Before credits & paid funds$472,188The complete starting cash picture.
Estimated remaining funds due at closing
$472,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$459,000.00
Your down payment$459,000.00
Closing costs + prepaids$13,187.75
Total buyer cash needed$472,187.75
Remaining funds due$472,187.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,590.00
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)$550.75
Initial HOA (3 months)$1,572.00
Fees + prepaids$13,187.75
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $472,187.75 is due at closing. Uses and sources reconcile at $472,187.75 each. Not a Closing Disclosure.