Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$441,804Cash toward the purchase price.
Closing costs + prepaids$12,287Not just lender fees.
Before credits & paid funds$454,091The complete starting cash picture.
Estimated remaining funds due at closing
$454,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$441,804.36
Your down payment$441,804.36
Closing costs + prepaids$12,286.97
Total buyer cash needed$454,091.33
Remaining funds due$454,091.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,590.00
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)$1,147.50
Prepaid interest, first (26 days)$74.47
Fees + prepaids$12,286.97
Your down payment is the seller’s equity. You take over the $17,196 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $454,091.33 is due at closing. Uses and sources reconcile at $471,286.97 each. Not a Closing Disclosure.