Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$440,331Cash toward the purchase price.
Closing costs + prepaids$12,473Not just lender fees.
Before credits & paid funds$452,804The complete starting cash picture.
Estimated remaining funds due at closing
$452,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$440,331.15
Your down payment$440,331.15
Closing costs + prepaids$12,472.53
Total buyer cash needed$452,803.68
Remaining funds due$452,803.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$1,448.75
Initial HOA (3 months)$255.00
Prepaid interest, first (26 days)$44.78
Fees + prepaids$12,472.53
Your down payment is the seller’s equity. You take over the $9,569 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $452,803.68 is due at closing. Uses and sources reconcile at $462,372.53 each. Not a Closing Disclosure.