Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$407,900Cash toward the purchase price.
Closing costs + prepaids$11,935Not just lender fees.
Before credits & paid funds$419,836The complete starting cash picture.
Estimated remaining funds due at closing
$419,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$407,900.24
Your down payment$407,900.24
Closing costs + prepaids$11,935.46
Total buyer cash needed$419,835.70
Remaining funds due$419,835.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,440.00
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)$1,110.00
Prepaid interest, first (24 days)$160.46
Fees + prepaids$11,935.46
Your down payment is the seller’s equity. You take over the $36,100 balance, so the rest of the $444,000 price is paid at closing. A second mortgage can cover part of it. $419,835.70 is due at closing. Uses and sources reconcile at $455,935.46 each. Not a Closing Disclosure.