Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$403,806Cash toward the purchase price.
Closing costs + prepaids$10,843Not just lender fees.
Before credits & paid funds$414,649The complete starting cash picture.
Estimated remaining funds due at closing
$414,649No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$403,805.95
Your down payment$403,805.95
Closing costs + prepaids$10,842.70
Total buyer cash needed$414,648.66
Remaining funds due$414,648.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,259.00
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)$284.25
Prepaid interest, first (20 days)$74.45
Fees + prepaids$10,842.70
Your down payment is the seller’s equity. You take over the $22,094 balance, so the rest of the $425,900 price is paid at closing. A second mortgage can cover part of it. $414,648.66 is due at closing. Uses and sources reconcile at $436,742.70 each. Not a Closing Disclosure.