Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$401,721Cash toward the purchase price.
Closing costs + prepaids$14,742Not just lender fees.
Before credits & paid funds$416,462The complete starting cash picture.
Estimated remaining funds due at closing
$416,462No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$401,720.83
Your down payment$401,720.83
Closing costs + prepaids$14,741.59
Total buyer cash needed$416,462.42
Remaining funds due$416,462.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,190.00
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)$1,547.50
Prepaid interest, first (22 days)$529.09
Fees + prepaids$14,741.59
Your down payment is the seller’s equity. You take over the $217,279 balance, so the rest of the $619,000 price is paid at closing. A second mortgage can cover part of it. $416,462.42 is due at closing. Uses and sources reconcile at $633,741.59 each. Not a Closing Disclosure.