Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$450,652Cash toward the purchase price.
Closing costs + prepaids$19,176Not just lender fees.
Before credits & paid funds$469,827The complete starting cash picture.
Estimated remaining funds due at closing
$469,827No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$450,651.74
Your down payment$450,651.74
Closing costs + prepaids$19,175.64
Total buyer cash needed$469,827.38
Remaining funds due$469,827.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,500.00
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)$1,571.00
Initial HOA (3 months)$162.99
Prepaid interest, first (30 days)$1,716.65
Fees + prepaids$19,175.64
Your down payment is the seller’s equity. You take over the $399,348 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $469,827.38 is due at closing. Uses and sources reconcile at $869,175.64 each. Not a Closing Disclosure.