Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$424,008Cash toward the purchase price.
Closing costs + prepaids$18,608Not just lender fees.
Before credits & paid funds$442,616The complete starting cash picture.
Estimated remaining funds due at closing
$442,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$424,008.47
Your down payment$424,008.47
Closing costs + prepaids$18,607.98
Total buyer cash needed$442,616.45
Remaining funds due$442,616.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,190.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,047.50
Prepaid interest, first (29 days)$1,145.48
Fees + prepaids$18,607.98
Your down payment is the seller’s equity. You take over the $394,992 balance, so the rest of the $819,000 price is paid at closing. A second mortgage can cover part of it. $442,616.45 is due at closing. Uses and sources reconcile at $837,607.98 each. Not a Closing Disclosure.