Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$450,851Cash toward the purchase price.
Closing costs + prepaids$26,627Not just lender fees.
Before credits & paid funds$477,478The complete starting cash picture.
Estimated remaining funds due at closing
$477,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$450,850.56
Your down payment$450,850.56
Closing costs + prepaids$26,627.44
Total buyer cash needed$477,478.00
Remaining funds due$477,478.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$12,499.99
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)$3,125.00
Prepaid interest, first (27 days)$3,777.45
Fees + prepaids$26,627.44
Your down payment is the seller’s equity. You take over the $799,148 balance, so the rest of the $1,249,999 price is paid at closing. A second mortgage can cover part of it. $477,478.00 is due at closing. Uses and sources reconcile at $1,276,626.44 each. Not a Closing Disclosure.