Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$407,474Cash toward the purchase price.
Closing costs + prepaids$11,354Not just lender fees.
Before credits & paid funds$418,828The complete starting cash picture.
Estimated remaining funds due at closing
$418,828No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$407,473.84
Your down payment$407,473.84
Closing costs + prepaids$11,354.49
Total buyer cash needed$418,828.33
Remaining funds due$418,828.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$561.25
Prepaid interest, first (13 days)$78.24
Fees + prepaids$11,354.49
Your down payment is the seller’s equity. You take over the $41,526 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $418,828.33 is due at closing. Uses and sources reconcile at $460,354.49 each. Not a Closing Disclosure.