Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$428,754Cash toward the purchase price.
Closing costs + prepaids$13,396Not just lender fees.
Before credits & paid funds$442,150The complete starting cash picture.
Estimated remaining funds due at closing
$442,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$428,753.64
Your down payment$428,753.64
Closing costs + prepaids$13,396.33
Total buyer cash needed$442,149.97
Remaining funds due$442,149.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$567.50
Initial HOA (3 months)$285.00
Prepaid interest, first (18 days)$269.83
Fees + prepaids$13,396.33
Your down payment is the seller’s equity. You take over the $151,146 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $442,149.97 is due at closing. Uses and sources reconcile at $593,296.33 each. Not a Closing Disclosure.