Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$430,241Cash toward the purchase price.
Closing costs + prepaids$12,174Not just lender fees.
Before credits & paid funds$442,415The complete starting cash picture.
Estimated remaining funds due at closing
$442,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$430,241.08
Your down payment$430,241.08
Closing costs + prepaids$12,173.54
Total buyer cash needed$442,414.62
Remaining funds due$442,414.62
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)$434.00
Initial HOA (3 months)$960.00
Prepaid interest, first (31 days)$54.54
Fees + prepaids$12,173.54
Your down payment is the seller’s equity. You take over the $19,759 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $442,414.62 is due at closing. Uses and sources reconcile at $462,173.54 each. Not a Closing Disclosure.