Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$428,499Cash toward the purchase price.
Closing costs + prepaids$13,816Not just lender fees.
Before credits & paid funds$442,315The complete starting cash picture.
Estimated remaining funds due at closing
$442,315No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$428,499.43
Your down payment$428,499.43
Closing costs + prepaids$13,815.67
Total buyer cash needed$442,315.11
Remaining funds due$442,315.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,569.00
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)$2,074.50
Initial HOA (3 months)$633.99
Prepaid interest, first (28 days)$63.18
Fees + prepaids$13,815.67
Your down payment is the seller’s equity. You take over the $28,401 balance, so the rest of the $456,900 price is paid at closing. A second mortgage can cover part of it. $442,315.11 is due at closing. Uses and sources reconcile at $470,715.67 each. Not a Closing Disclosure.