Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$435,183Cash toward the purchase price.
Closing costs + prepaids$11,505Not just lender fees.
Before credits & paid funds$446,688The complete starting cash picture.
Estimated remaining funds due at closing
$446,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$435,182.97
Your down payment$435,182.97
Closing costs + prepaids$11,505.35
Total buyer cash needed$446,688.32
Remaining funds due$446,688.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$540.00
Initial HOA (3 months)$210.00
Prepaid interest, first (12 days)$30.35
Fees + prepaids$11,505.35
Your down payment is the seller’s equity. You take over the $14,817 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $446,688.32 is due at closing. Uses and sources reconcile at $461,505.35 each. Not a Closing Disclosure.