Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$439,202Cash toward the purchase price.
Closing costs + prepaids$12,342Not just lender fees.
Before credits & paid funds$451,545The complete starting cash picture.
Estimated remaining funds due at closing
$451,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$439,202.42
Your down payment$439,202.42
Closing costs + prepaids$12,342.10
Total buyer cash needed$451,544.52
Remaining funds due$451,544.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$1,162.50
Prepaid interest, first (25 days)$54.60
Fees + prepaids$12,342.10
Your down payment is the seller’s equity. You take over the $25,798 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $451,544.52 is due at closing. Uses and sources reconcile at $477,342.10 each. Not a Closing Disclosure.