Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$427,066Cash toward the purchase price.
Closing costs + prepaids$11,304Not just lender fees.
Before credits & paid funds$438,370The complete starting cash picture.
Estimated remaining funds due at closing
$438,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$427,066.26
Your down payment$427,066.26
Closing costs + prepaids$11,303.57
Total buyer cash needed$438,369.84
Remaining funds due$438,369.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$534.00
Initial HOA (3 months)$56.25
Prepaid interest, first (12 days)$38.32
Fees + prepaids$11,303.57
Your down payment is the seller’s equity. You take over the $17,934 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $438,369.84 is due at closing. Uses and sources reconcile at $456,303.57 each. Not a Closing Disclosure.