Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$442,492Cash toward the purchase price.
Closing costs + prepaids$11,608Not just lender fees.
Before credits & paid funds$454,100The complete starting cash picture.
Estimated remaining funds due at closing
$454,100No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$442,492.49
Your down payment$442,492.49
Closing costs + prepaids$11,607.96
Total buyer cash needed$454,100.45
Remaining funds due$454,100.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$653.50
Initial HOA (3 months)$222.99
Prepaid interest, first (31 days)$16.47
Fees + prepaids$11,607.96
Your down payment is the seller’s equity. You take over the $6,508 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $454,100.45 is due at closing. Uses and sources reconcile at $460,607.96 each. Not a Closing Disclosure.