Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$325,389Cash toward the purchase price.
Closing costs + prepaids$30,632Not just lender fees.
Before credits & paid funds$356,021The complete starting cash picture.
Estimated remaining funds due at closing
$356,021No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,388.95
Your down payment$325,388.95
Closing costs + prepaids$30,632.09
Total buyer cash needed$356,021.04
Remaining funds due$356,021.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$13,999.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,499.75
Prepaid interest, first (30 days)$5,908.34
Fees + prepaids$30,632.09
Your down payment is the seller’s equity. You take over the $1,074,511 balance, so the rest of the $1,399,900 price is paid at closing. A second mortgage can cover part of it. $356,021.04 is due at closing. Uses and sources reconcile at $1,430,532.09 each. Not a Closing Disclosure.