Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$460,886Cash toward the purchase price.
Closing costs + prepaids$18,440Not just lender fees.
Before credits & paid funds$479,326The complete starting cash picture.
Estimated remaining funds due at closing
$479,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$460,886.34
Your down payment$460,886.34
Closing costs + prepaids$18,439.84
Total buyer cash needed$479,326.18
Remaining funds due$479,326.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,399.50
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,100.00
Prepaid interest, first (28 days)$715.34
Fees + prepaids$18,439.84
Your down payment is the seller’s equity. You take over the $379,064 balance, so the rest of the $839,950 price is paid at closing. A second mortgage can cover part of it. $479,326.18 is due at closing. Uses and sources reconcile at $858,389.84 each. Not a Closing Disclosure.