Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$428,175Cash toward the purchase price.
Closing costs + prepaids$11,321Not just lender fees.
Before credits & paid funds$439,496The complete starting cash picture.
Estimated remaining funds due at closing
$439,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$428,174.52
Your down payment$428,174.52
Closing costs + prepaids$11,321.36
Total buyer cash needed$439,495.88
Remaining funds due$439,495.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$646.75
Prepaid interest, first (22 days)$49.61
Fees + prepaids$11,321.36
Your down payment is the seller’s equity. You take over the $11,825 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $439,495.88 is due at closing. Uses and sources reconcile at $451,321.36 each. Not a Closing Disclosure.