Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$398,967Cash toward the purchase price.
Closing costs + prepaids$11,554Not just lender fees.
Before credits & paid funds$410,521The complete starting cash picture.
Estimated remaining funds due at closing
$410,521No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$398,967.15
Your down payment$398,967.15
Closing costs + prepaids$11,554.14
Total buyer cash needed$410,521.29
Remaining funds due$410,521.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$316.25
Prepaid interest, first (20 days)$112.89
Fees + prepaids$11,554.14
Your down payment is the seller’s equity. You take over the $66,033 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $410,521.29 is due at closing. Uses and sources reconcile at $476,554.14 each. Not a Closing Disclosure.