Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$428,537Cash toward the purchase price.
Closing costs + prepaids$19,648Not just lender fees.
Before credits & paid funds$448,184The complete starting cash picture.
Estimated remaining funds due at closing
$448,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$428,536.51
Your down payment$428,536.51
Closing costs + prepaids$19,647.81
Total buyer cash needed$448,184.32
Remaining funds due$448,184.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,236.25
Initial HOA (3 months)$722.01
Prepaid interest, first (26 days)$1,474.55
Fees + prepaids$19,647.81
Your down payment is the seller’s equity. You take over the $470,463 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $448,184.32 is due at closing. Uses and sources reconcile at $918,647.81 each. Not a Closing Disclosure.