Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$399,860Cash toward the purchase price.
Closing costs + prepaids$27,349Not just lender fees.
Before credits & paid funds$427,210The complete starting cash picture.
Estimated remaining funds due at closing
$427,210No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$399,860.01
Your down payment$399,860.01
Closing costs + prepaids$27,349.49
Total buyer cash needed$427,209.50
Remaining funds due$427,209.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$12,990.00
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)$3,247.50
Prepaid interest, first (31 days)$3,886.99
Fees + prepaids$27,349.49
Your down payment is the seller’s equity. You take over the $899,140 balance, so the rest of the $1,299,000 price is paid at closing. A second mortgage can cover part of it. $427,209.50 is due at closing. Uses and sources reconcile at $1,326,349.49 each. Not a Closing Disclosure.