Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$409,604Cash toward the purchase price.
Closing costs + prepaids$12,012Not just lender fees.
Before credits & paid funds$421,616The complete starting cash picture.
Estimated remaining funds due at closing
$421,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$409,604.10
Your down payment$409,604.10
Closing costs + prepaids$12,011.73
Total buyer cash needed$421,615.83
Remaining funds due$421,615.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,149.00
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)$365.00
Prepaid interest, first (2 days)$22.73
Fees + prepaids$12,011.73
Your down payment is the seller’s equity. You take over the $105,296 balance, so the rest of the $514,900 price is paid at closing. A second mortgage can cover part of it. $421,615.83 is due at closing. Uses and sources reconcile at $526,911.73 each. Not a Closing Disclosure.