Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$403,806Cash toward the purchase price.
Closing costs + prepaids$11,627Not just lender fees.
Before credits & paid funds$415,433The complete starting cash picture.
Estimated remaining funds due at closing
$415,433No 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$11,626.93
Total buyer cash needed$415,432.88
Remaining funds due$415,432.88
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)$1,064.75
Prepaid interest, first (21 days)$78.18
Fees + prepaids$11,626.93
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. $415,432.88 is due at closing. Uses and sources reconcile at $437,526.93 each. Not a Closing Disclosure.