Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$404,751Cash toward the purchase price.
Closing costs + prepaids$11,155Not just lender fees.
Before credits & paid funds$415,905The complete starting cash picture.
Estimated remaining funds due at closing
$415,905No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$404,750.65
Your down payment$404,750.65
Closing costs + prepaids$11,154.72
Total buyer cash needed$415,905.37
Remaining funds due$415,905.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$543.75
Prepaid interest, first (14 days)$35.97
Fees + prepaids$11,154.72
Your down payment is the seller’s equity. You take over the $30,249 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $415,905.37 is due at closing. Uses and sources reconcile at $446,154.72 each. Not a Closing Disclosure.