Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$401,917Cash toward the purchase price.
Closing costs + prepaids$12,625Not just lender fees.
Before credits & paid funds$414,542The complete starting cash picture.
Estimated remaining funds due at closing
$414,542No 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$12,625.04
Total buyer cash needed$414,542.26
Remaining funds due$414,542.26
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)$636.00
Prepaid interest, first (17 days)$214.14
Fees + prepaids$12,625.04
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. $414,542.26 is due at closing. Uses and sources reconcile at $542,615.04 each. Not a Closing Disclosure.