Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$433,594Cash toward the purchase price.
Closing costs + prepaids$20,379Not just lender fees.
Before credits & paid funds$453,973The complete starting cash picture.
Estimated remaining funds due at closing
$453,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$433,593.71
Your down payment$433,593.71
Closing costs + prepaids$20,379.37
Total buyer cash needed$453,973.08
Remaining funds due$453,973.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,749.00
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)$2,437.25
Prepaid interest, first (24 days)$968.12
Fees + prepaids$20,379.37
Your down payment is the seller’s equity. You take over the $541,306 balance, so the rest of the $974,900 price is paid at closing. A second mortgage can cover part of it. $453,973.08 is due at closing. Uses and sources reconcile at $995,279.37 each. Not a Closing Disclosure.