Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$428,648Cash toward the purchase price.
Closing costs + prepaids$12,752Not just lender fees.
Before credits & paid funds$441,400The complete starting cash picture.
Estimated remaining funds due at closing
$441,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$428,648.27
Your down payment$428,648.27
Closing costs + prepaids$12,751.90
Total buyer cash needed$441,400.17
Remaining funds due$441,400.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$1,881.50
Initial HOA (3 months)$119.49
Prepaid interest, first (23 days)$35.91
Fees + prepaids$12,751.90
Your down payment is the seller’s equity. You take over the $20,352 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $441,400.17 is due at closing. Uses and sources reconcile at $461,751.90 each. Not a Closing Disclosure.