Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$441,119Cash toward the purchase price.
Closing costs + prepaids$12,005Not just lender fees.
Before credits & paid funds$453,124The complete starting cash picture.
Estimated remaining funds due at closing
$453,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$441,119.13
Your down payment$441,119.13
Closing costs + prepaids$12,004.63
Total buyer cash needed$453,123.77
Remaining funds due$453,123.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,894.95
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)$587.50
Prepaid interest, first (10 days)$47.18
Fees + prepaids$12,004.63
Your down payment is the seller’s equity. You take over the $48,376 balance, so the rest of the $489,495 price is paid at closing. A second mortgage can cover part of it. $453,123.77 is due at closing. Uses and sources reconcile at $501,499.63 each. Not a Closing Disclosure.