Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$437,952Cash toward the purchase price.
Closing costs + prepaids$13,369Not just lender fees.
Before credits & paid funds$451,321The complete starting cash picture.
Estimated remaining funds due at closing
$451,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$437,951.95
Your down payment$437,951.95
Closing costs + prepaids$13,369.48
Total buyer cash needed$451,321.44
Remaining funds due$451,321.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$1,374.75
Prepaid interest, first (2 days)$20.73
Fees + prepaids$13,369.48
Your down payment is the seller’s equity. You take over the $111,948 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $451,321.44 is due at closing. Uses and sources reconcile at $563,269.48 each. Not a Closing Disclosure.