Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$433,103Cash toward the purchase price.
Closing costs + prepaids$11,929Not just lender fees.
Before credits & paid funds$445,032The complete starting cash picture.
Estimated remaining funds due at closing
$445,032No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$433,102.69
Your down payment$433,102.69
Closing costs + prepaids$11,929.18
Total buyer cash needed$445,031.87
Remaining funds due$445,031.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.90
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)$1,125.00
Prepaid interest, first (28 days)$79.28
Fees + prepaids$11,929.18
Your down payment is the seller’s equity. You take over the $16,887 balance, so the rest of the $449,990 price is paid at closing. A second mortgage can cover part of it. $445,031.87 is due at closing. Uses and sources reconcile at $461,919.18 each. Not a Closing Disclosure.