Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$444,331Cash toward the purchase price.
Closing costs + prepaids$12,034Not just lender fees.
Before credits & paid funds$456,365The complete starting cash picture.
Estimated remaining funds due at closing
$456,365No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$444,331.00
Your down payment$444,331.00
Closing costs + prepaids$12,034.10
Total buyer cash needed$456,365.09
Remaining funds due$456,365.09
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)$809.25
Prepaid interest, first (29 days)$99.85
Fees + prepaids$12,034.10
Your down payment is the seller’s equity. You take over the $20,669 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $456,365.09 is due at closing. Uses and sources reconcile at $477,034.10 each. Not a Closing Disclosure.