Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$443,422Cash toward the purchase price.
Closing costs + prepaids$18,721Not just lender fees.
Before credits & paid funds$462,143The complete starting cash picture.
Estimated remaining funds due at closing
$462,143No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$443,421.75
Your down payment$443,421.75
Closing costs + prepaids$18,720.99
Total buyer cash needed$462,142.74
Remaining funds due$462,142.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,011.00
Prepaid interest, first (27 days)$1,984.99
Fees + prepaids$18,720.99
Your down payment is the seller’s equity. You take over the $406,578 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $462,142.74 is due at closing. Uses and sources reconcile at $868,720.99 each. Not a Closing Disclosure.