Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$437,451Cash toward the purchase price.
Closing costs + prepaids$11,875Not just lender fees.
Before credits & paid funds$449,326The complete starting cash picture.
Estimated remaining funds due at closing
$449,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$437,450.82
Your down payment$437,450.82
Closing costs + prepaids$11,875.19
Total buyer cash needed$449,326.02
Remaining funds due$449,326.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
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)$629.75
Prepaid interest, first (28 days)$71.44
Fees + prepaids$11,875.19
Your down payment is the seller’s equity. You take over the $32,449 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $449,326.02 is due at closing. Uses and sources reconcile at $481,775.19 each. Not a Closing Disclosure.