Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$437,806Cash toward the purchase price.
Closing costs + prepaids$11,470Not just lender fees.
Before credits & paid funds$449,276The complete starting cash picture.
Estimated remaining funds due at closing
$449,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$437,805.81
Your down payment$437,805.81
Closing costs + prepaids$11,470.33
Total buyer cash needed$449,276.14
Remaining funds due$449,276.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$540.00
Initial HOA (3 months)$189.00
Prepaid interest, first (9 days)$17.33
Fees + prepaids$11,470.33
Your down payment is the seller’s equity. You take over the $12,094 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $449,276.14 is due at closing. Uses and sources reconcile at $461,370.33 each. Not a Closing Disclosure.