Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$432,977Cash toward the purchase price.
Closing costs + prepaids$12,079Not just lender fees.
Before credits & paid funds$445,056The complete starting cash picture.
Estimated remaining funds due at closing
$445,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$432,976.63
Your down payment$432,976.63
Closing costs + prepaids$12,079.27
Total buyer cash needed$445,055.90
Remaining funds due$445,055.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.99
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)$395.50
Prepaid interest, first (30 days)$208.78
Fees + prepaids$12,079.27
Your down payment is the seller’s equity. You take over the $67,022 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $445,055.90 is due at closing. Uses and sources reconcile at $512,078.27 each. Not a Closing Disclosure.