Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$427,118Cash toward the purchase price.
Closing costs + prepaids$11,364Not just lender fees.
Before credits & paid funds$438,482The complete starting cash picture.
Estimated remaining funds due at closing
$438,482No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$427,118.35
Your down payment$427,118.35
Closing costs + prepaids$11,363.93
Total buyer cash needed$438,482.28
Remaining funds due$438,482.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,449.99
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)$631.75
Prepaid interest, first (25 days)$57.19
Fees + prepaids$11,363.93
Your down payment is the seller’s equity. You take over the $17,881 balance, so the rest of the $444,999 price is paid at closing. A second mortgage can cover part of it. $438,482.28 is due at closing. Uses and sources reconcile at $456,362.93 each. Not a Closing Disclosure.