Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$426,269Cash toward the purchase price.
Closing costs + prepaids$12,144Not just lender fees.
Before credits & paid funds$438,413The complete starting cash picture.
Estimated remaining funds due at closing
$438,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$426,269.23
Your down payment$426,269.23
Closing costs + prepaids$12,143.79
Total buyer cash needed$438,413.02
Remaining funds due$438,413.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$1,032.00
Initial HOA (3 months)$267.00
Prepaid interest, first (28 days)$119.79
Fees + prepaids$12,143.79
Your down payment is the seller’s equity. You take over the $23,731 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $438,413.02 is due at closing. Uses and sources reconcile at $462,143.79 each. Not a Closing Disclosure.