Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$428,078Cash toward the purchase price.
Closing costs + prepaids$12,679Not just lender fees.
Before credits & paid funds$440,757The complete starting cash picture.
Estimated remaining funds due at closing
$440,757No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$428,077.94
Your down payment$428,077.94
Closing costs + prepaids$12,678.68
Total buyer cash needed$440,756.62
Remaining funds due$440,756.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,290.00
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)$628.00
Prepaid interest, first (28 days)$285.68
Fees + prepaids$12,678.68
Your down payment is the seller’s equity. You take over the $100,922 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $440,756.62 is due at closing. Uses and sources reconcile at $541,678.68 each. Not a Closing Disclosure.