Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$452,839Cash toward the purchase price.
Closing costs + prepaids$22,040Not just lender fees.
Before credits & paid funds$474,880The complete starting cash picture.
Estimated remaining funds due at closing
$474,880No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$452,839.32
Your down payment$452,839.32
Closing costs + prepaids$22,040.38
Total buyer cash needed$474,879.71
Remaining funds due$474,879.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,800.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$835.25
Prepaid interest, first (28 days)$3,180.13
Fees + prepaids$22,040.38
Your down payment is the seller’s equity. You take over the $627,161 balance, so the rest of the $1,080,000 price is paid at closing. A second mortgage can cover part of it. $474,879.71 is due at closing. Uses and sources reconcile at $1,102,040.38 each. Not a Closing Disclosure.