Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$407,023Cash toward the purchase price.
Closing costs + prepaids$11,986Not just lender fees.
Before credits & paid funds$419,009The complete starting cash picture.
Estimated remaining funds due at closing
$419,009No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$407,022.74
Your down payment$407,022.74
Closing costs + prepaids$11,985.99
Total buyer cash needed$419,008.73
Remaining funds due$419,008.73
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)$1,255.00
Prepaid interest, first (1 days)$6.99
Fees + prepaids$11,985.99
Your down payment is the seller’s equity. You take over the $42,877 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $419,008.73 is due at closing. Uses and sources reconcile at $461,885.99 each. Not a Closing Disclosure.