Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$437,682Cash toward the purchase price.
Closing costs + prepaids$11,048Not just lender fees.
Before credits & paid funds$448,730The complete starting cash picture.
Estimated remaining funds due at closing
$448,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$437,682.43
Your down payment$437,682.43
Closing costs + prepaids$11,047.52
Total buyer cash needed$448,729.95
Remaining funds due$448,729.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.99
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)$268.75
Prepaid interest, first (23 days)$53.78
Fees + prepaids$11,047.52
Your down payment is the seller’s equity. You take over the $12,317 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $448,729.95 is due at closing. Uses and sources reconcile at $461,046.52 each. Not a Closing Disclosure.