Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$415,226Cash toward the purchase price.
Closing costs + prepaids$11,776Not just lender fees.
Before credits & paid funds$427,002The complete starting cash picture.
Estimated remaining funds due at closing
$427,002No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$415,225.86
Your down payment$415,225.86
Closing costs + prepaids$11,775.78
Total buyer cash needed$427,001.64
Remaining funds due$427,001.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,099.75
Prepaid interest, first (26 days)$52.03
Fees + prepaids$11,775.78
Your down payment is the seller’s equity. You take over the $24,674 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $427,001.64 is due at closing. Uses and sources reconcile at $451,675.78 each. Not a Closing Disclosure.