Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$431,850Cash toward the purchase price.
Closing costs + prepaids$11,235Not just lender fees.
Before credits & paid funds$443,086The complete starting cash picture.
Estimated remaining funds due at closing
$443,086No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$431,850.22
Your down payment$431,850.22
Closing costs + prepaids$11,235.32
Total buyer cash needed$443,085.53
Remaining funds due$443,085.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,449.99
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
Prepaid interest, first (12 days)$26.33
Fees + prepaids$11,235.32
Your down payment is the seller’s equity. You take over the $13,149 balance, so the rest of the $444,999 price is paid at closing. A second mortgage can cover part of it. $443,085.53 is due at closing. Uses and sources reconcile at $456,234.32 each. Not a Closing Disclosure.