Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$436,050Cash toward the purchase price.
Closing costs + prepaids$11,679Not just lender fees.
Before credits & paid funds$447,729The complete starting cash picture.
Estimated remaining funds due at closing
$447,729No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$436,050.40
Your down payment$436,050.40
Closing costs + prepaids$11,679.00
Total buyer cash needed$447,729.40
Remaining funds due$447,729.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$458.00
Initial HOA (3 months)$38.01
Prepaid interest, first (24 days)$108.99
Fees + prepaids$11,679.00
Your down payment is the seller’s equity. You take over the $23,850 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $447,729.40 is due at closing. Uses and sources reconcile at $471,579.00 each. Not a Closing Disclosure.