Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$419,729Cash toward the purchase price.
Closing costs + prepaids$12,166Not just lender fees.
Before credits & paid funds$431,895The complete starting cash picture.
Estimated remaining funds due at closing
$431,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$419,729.00
Your down payment$419,729.00
Closing costs + prepaids$12,166.29
Total buyer cash needed$431,895.29
Remaining funds due$431,895.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,600.00
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)$687.00
Initial HOA (3 months)$225.00
Prepaid interest, first (25 days)$179.29
Fees + prepaids$12,166.29
Your down payment is the seller’s equity. You take over the $40,271 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $431,895.29 is due at closing. Uses and sources reconcile at $472,166.29 each. Not a Closing Disclosure.