Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$426,415Cash toward the purchase price.
Closing costs + prepaids$12,205Not just lender fees.
Before credits & paid funds$438,620The complete starting cash picture.
Estimated remaining funds due at closing
$438,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$426,414.84
Your down payment$426,414.84
Closing costs + prepaids$12,204.77
Total buyer cash needed$438,619.62
Remaining funds due$438,619.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,850.00
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)$643.25
Prepaid interest, first (24 days)$236.52
Fees + prepaids$12,204.77
Your down payment is the seller’s equity. You take over the $58,585 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $438,619.62 is due at closing. Uses and sources reconcile at $497,204.77 each. Not a Closing Disclosure.