Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$440,423Cash toward the purchase price.
Closing costs + prepaids$11,596Not just lender fees.
Before credits & paid funds$452,019The complete starting cash picture.
Estimated remaining funds due at closing
$452,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$440,422.59
Your down payment$440,422.59
Closing costs + prepaids$11,596.06
Total buyer cash needed$452,018.65
Remaining funds due$452,018.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,625.00
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)$411.75
Prepaid interest, first (23 days)$84.31
Fees + prepaids$11,596.06
Your down payment is the seller’s equity. You take over the $22,077 balance, so the rest of the $462,500 price is paid at closing. A second mortgage can cover part of it. $452,018.65 is due at closing. Uses and sources reconcile at $474,096.06 each. Not a Closing Disclosure.