Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$427,997Cash toward the purchase price.
Closing costs + prepaids$14,276Not just lender fees.
Before credits & paid funds$442,273The complete starting cash picture.
Estimated remaining funds due at closing
$442,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$427,997.22
Your down payment$427,997.22
Closing costs + prepaids$14,276.15
Total buyer cash needed$442,273.38
Remaining funds due$442,273.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,649.00
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)$648.75
Prepaid interest, first (28 days)$503.40
Fees + prepaids$14,276.15
Your down payment is the seller’s equity. You take over the $236,903 balance, so the rest of the $664,900 price is paid at closing. A second mortgage can cover part of it. $442,273.38 is due at closing. Uses and sources reconcile at $679,176.15 each. Not a Closing Disclosure.