Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$428,754Cash toward the purchase price.
Closing costs + prepaids$13,486Not just lender fees.
Before credits & paid funds$442,240The complete starting cash picture.
Estimated remaining funds due at closing
$442,240No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$428,753.64
Your down payment$428,753.64
Closing costs + prepaids$13,486.27
Total buyer cash needed$442,239.91
Remaining funds due$442,239.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.00
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)$567.50
Initial HOA (3 months)$285.00
Prepaid interest, first (24 days)$359.77
Fees + prepaids$13,486.27
Your down payment is the seller’s equity. You take over the $151,146 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $442,239.91 is due at closing. Uses and sources reconcile at $593,386.27 each. Not a Closing Disclosure.