Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$451,703Cash toward the purchase price.
Closing costs + prepaids$11,800Not just lender fees.
Before credits & paid funds$463,503The complete starting cash picture.
Estimated remaining funds due at closing
$463,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$451,703.02
Your down payment$451,703.02
Closing costs + prepaids$11,800.28
Total buyer cash needed$463,503.30
Remaining funds due$463,503.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$558.00
Initial HOA (3 months)$87.51
Prepaid interest, first (12 days)$29.77
Fees + prepaids$11,800.28
Your down payment is the seller’s equity. You take over the $13,297 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $463,503.30 is due at closing. Uses and sources reconcile at $476,800.28 each. Not a Closing Disclosure.