Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$449,900Cash toward the purchase price.
Closing costs + prepaids$11,050Not just lender fees.
Before credits & paid funds$460,950The complete starting cash picture.
Estimated remaining funds due at closing
$460,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$449,900.00
Your down payment$449,900.00
Closing costs + prepaids$11,049.50
Total buyer cash needed$460,949.50
Remaining funds due$460,949.50
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)$325.50
Fees + prepaids$11,049.50
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $460,949.50 is due at closing. Uses and sources reconcile at $460,949.50 each. Not a Closing Disclosure.