Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$414,476Cash toward the purchase price.
Closing costs + prepaids$10,939Not just lender fees.
Before credits & paid funds$425,415The complete starting cash picture.
Estimated remaining funds due at closing
$425,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$414,475.98
Your down payment$414,475.98
Closing costs + prepaids$10,939.13
Total buyer cash needed$425,415.12
Remaining funds due$425,415.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,349.99
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)$254.50
Prepaid interest, first (30 days)$109.64
Fees + prepaids$10,939.13
Your down payment is the seller’s equity. You take over the $20,523 balance, so the rest of the $434,999 price is paid at closing. A second mortgage can cover part of it. $425,415.12 is due at closing. Uses and sources reconcile at $445,938.13 each. Not a Closing Disclosure.