Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$428,175Cash toward the purchase price.
Closing costs + prepaids$11,339Not just lender fees.
Before credits & paid funds$439,514The complete starting cash picture.
Estimated remaining funds due at closing
$439,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$428,174.52
Your down payment$428,174.52
Closing costs + prepaids$11,339.40
Total buyer cash needed$439,513.92
Remaining funds due$439,513.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$646.75
Prepaid interest, first (30 days)$67.65
Fees + prepaids$11,339.40
Your down payment is the seller’s equity. You take over the $11,825 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $439,513.92 is due at closing. Uses and sources reconcile at $451,339.40 each. Not a Closing Disclosure.