Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$438,322Cash toward the purchase price.
Closing costs + prepaids$12,898Not just lender fees.
Before credits & paid funds$451,219The complete starting cash picture.
Estimated remaining funds due at closing
$451,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$438,321.59
Your down payment$438,321.59
Closing costs + prepaids$12,897.80
Total buyer cash needed$451,219.39
Remaining funds due$451,219.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,600.00
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)$1,150.00
Initial HOA (3 months)$600.00
Prepaid interest, first (18 days)$72.80
Fees + prepaids$12,897.80
Your down payment is the seller’s equity. You take over the $21,678 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $451,219.39 is due at closing. Uses and sources reconcile at $472,897.80 each. Not a Closing Disclosure.