Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$416,684Cash toward the purchase price.
Closing costs + prepaids$11,787Not just lender fees.
Before credits & paid funds$428,471The complete starting cash picture.
Estimated remaining funds due at closing
$428,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$416,684.32
Your down payment$416,684.32
Closing costs + prepaids$11,786.93
Total buyer cash needed$428,471.25
Remaining funds due$428,471.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,590.00
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)$623.25
Prepaid interest, first (28 days)$98.68
Fees + prepaids$11,786.93
Your down payment is the seller’s equity. You take over the $42,316 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $428,471.25 is due at closing. Uses and sources reconcile at $470,786.93 each. Not a Closing Disclosure.