Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$409,974Cash toward the purchase price.
Closing costs + prepaids$12,175Not just lender fees.
Before credits & paid funds$422,148The complete starting cash picture.
Estimated remaining funds due at closing
$422,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$409,973.53
Your down payment$409,973.53
Closing costs + prepaids$12,174.82
Total buyer cash needed$422,148.34
Remaining funds due$422,148.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$485.25
Prepaid interest, first (27 days)$224.57
Fees + prepaids$12,174.82
Your down payment is the seller’s equity. You take over the $89,026 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $422,148.34 is due at closing. Uses and sources reconcile at $511,174.82 each. Not a Closing Disclosure.