Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$425,258Cash toward the purchase price.
Closing costs + prepaids$11,911Not just lender fees.
Before credits & paid funds$437,170The complete starting cash picture.
Estimated remaining funds due at closing
$437,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$425,258.48
Your down payment$425,258.48
Closing costs + prepaids$11,911.23
Total buyer cash needed$437,169.71
Remaining funds due$437,169.71
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)$1,016.25
Initial HOA (3 months)$72.00
Prepaid interest, first (22 days)$97.98
Fees + prepaids$11,911.23
Your down payment is the seller’s equity. You take over the $24,742 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $437,169.71 is due at closing. Uses and sources reconcile at $461,911.23 each. Not a Closing Disclosure.