Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$401,917Cash toward the purchase price.
Closing costs + prepaids$12,583Not just lender fees.
Before credits & paid funds$414,501The complete starting cash picture.
Estimated remaining funds due at closing
$414,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$401,917.21
Your down payment$401,917.21
Closing costs + prepaids$12,583.40
Total buyer cash needed$414,500.61
Remaining funds due$414,500.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.90
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)$418.00
Prepaid interest, first (31 days)$390.50
Fees + prepaids$12,583.40
Your down payment is the seller’s equity. You take over the $128,073 balance, so the rest of the $529,990 price is paid at closing. A second mortgage can cover part of it. $414,500.61 is due at closing. Uses and sources reconcile at $542,573.40 each. Not a Closing Disclosure.