Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$430,869Cash toward the purchase price.
Closing costs + prepaids$11,962Not just lender fees.
Before credits & paid funds$442,831The complete starting cash picture.
Estimated remaining funds due at closing
$442,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$430,868.70
Your down payment$430,868.70
Closing costs + prepaids$11,962.14
Total buyer cash needed$442,830.84
Remaining funds due$442,830.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,800.00
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)$478.50
Prepaid interest, first (31 days)$208.64
Fees + prepaids$11,962.14
Your down payment is the seller’s equity. You take over the $49,131 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $442,830.84 is due at closing. Uses and sources reconcile at $491,962.14 each. Not a Closing Disclosure.