Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$410,827Cash toward the purchase price.
Closing costs + prepaids$11,771Not just lender fees.
Before credits & paid funds$422,599The complete starting cash picture.
Estimated remaining funds due at closing
$422,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$410,827.39
Your down payment$410,827.39
Closing costs + prepaids$11,771.20
Total buyer cash needed$422,598.59
Remaining funds due$422,598.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,198.70
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)$1,346.00
Prepaid interest, first (2 days)$1.50
Fees + prepaids$11,771.20
Your down payment is the seller’s equity. You take over the $9,043 balance, so the rest of the $419,870 price is paid at closing. A second mortgage can cover part of it. $422,598.59 is due at closing. Uses and sources reconcile at $431,641.20 each. Not a Closing Disclosure.