Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$421,178Cash toward the purchase price.
Closing costs + prepaids$18,455Not just lender fees.
Before credits & paid funds$439,634The complete starting cash picture.
Estimated remaining funds due at closing
$439,634No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$421,178.40
Your down payment$421,178.40
Closing costs + prepaids$18,455.18
Total buyer cash needed$439,633.58
Remaining funds due$439,633.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,750.00
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)$2,326.75
Prepaid interest, first (2 days)$153.43
Fees + prepaids$18,455.18
Your down payment is the seller’s equity. You take over the $453,822 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $439,633.58 is due at closing. Uses and sources reconcile at $893,455.18 each. Not a Closing Disclosure.