Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$401,789Cash toward the purchase price.
Closing costs + prepaids$12,270Not just lender fees.
Before credits & paid funds$414,059The complete starting cash picture.
Estimated remaining funds due at closing
$414,059No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$401,789.46
Your down payment$401,789.46
Closing costs + prepaids$12,269.96
Total buyer cash needed$414,059.42
Remaining funds due$414,059.42
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)$1,390.00
Prepaid interest, first (24 days)$155.96
Fees + prepaids$12,269.96
Your down payment is the seller’s equity. You take over the $48,111 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $414,059.42 is due at closing. Uses and sources reconcile at $462,169.96 each. Not a Closing Disclosure.