Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$409,618Cash toward the purchase price.
Closing costs + prepaids$10,954Not just lender fees.
Before credits & paid funds$420,572The complete starting cash picture.
Estimated remaining funds due at closing
$420,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$409,618.11
Your down payment$409,618.11
Closing costs + prepaids$10,953.71
Total buyer cash needed$420,571.82
Remaining funds due$420,571.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,197.19
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)$507.50
Prepaid interest, first (31 days)$24.02
Fees + prepaids$10,953.71
Your down payment is the seller’s equity. You take over the $10,101 balance, so the rest of the $419,719 price is paid at closing. A second mortgage can cover part of it. $420,571.82 is due at closing. Uses and sources reconcile at $430,672.71 each. Not a Closing Disclosure.