Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$431,121Cash toward the purchase price.
Closing costs + prepaids$11,027Not just lender fees.
Before credits & paid funds$442,148The complete starting cash picture.
Estimated remaining funds due at closing
$442,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$431,120.79
Your down payment$431,120.79
Closing costs + prepaids$11,027.40
Total buyer cash needed$442,148.19
Remaining funds due$442,148.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,345.00
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)$449.00
Prepaid interest, first (29 days)$8.40
Fees + prepaids$11,027.40
Your down payment is the seller’s equity. You take over the $3,379 balance, so the rest of the $434,500 price is paid at closing. A second mortgage can cover part of it. $442,148.19 is due at closing. Uses and sources reconcile at $445,527.40 each. Not a Closing Disclosure.