Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$426,608Cash toward the purchase price.
Closing costs + prepaids$12,914Not just lender fees.
Before credits & paid funds$439,522The complete starting cash picture.
Estimated remaining funds due at closing
$439,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$426,607.54
Your down payment$426,607.54
Closing costs + prepaids$12,914.33
Total buyer cash needed$439,521.88
Remaining funds due$439,521.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$1,237.50
Prepaid interest, first (28 days)$251.83
Fees + prepaids$12,914.33
Your down payment is the seller’s equity. You take over the $68,392 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $439,521.88 is due at closing. Uses and sources reconcile at $507,914.33 each. Not a Closing Disclosure.