Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$420,482Cash toward the purchase price.
Closing costs + prepaids$11,671Not just lender fees.
Before credits & paid funds$432,153The complete starting cash picture.
Estimated remaining funds due at closing
$432,153No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$420,482.24
Your down payment$420,482.24
Closing costs + prepaids$11,670.73
Total buyer cash needed$432,152.97
Remaining funds due$432,152.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,590.00
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)$420.00
Prepaid interest, first (25 days)$185.73
Fees + prepaids$11,670.73
Your down payment is the seller’s equity. You take over the $38,518 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $432,152.97 is due at closing. Uses and sources reconcile at $470,670.73 each. Not a Closing Disclosure.