Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$447,788Cash toward the purchase price.
Closing costs + prepaids$11,793Not just lender fees.
Before credits & paid funds$459,580The complete starting cash picture.
Estimated remaining funds due at closing
$459,580No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$447,787.59
Your down payment$447,787.59
Closing costs + prepaids$11,792.86
Total buyer cash needed$459,580.44
Remaining funds due$459,580.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$526.00
Initial HOA (3 months)$189.00
Prepaid interest, first (2 days)$3.86
Fees + prepaids$11,792.86
Your down payment is the seller’s equity. You take over the $12,112 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $459,580.44 is due at closing. Uses and sources reconcile at $471,692.86 each. Not a Closing Disclosure.