Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$409,614Cash toward the purchase price.
Closing costs + prepaids$23,813Not just lender fees.
Before credits & paid funds$433,427The complete starting cash picture.
Estimated remaining funds due at closing
$433,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$409,613.94
Your down payment$409,613.94
Closing costs + prepaids$23,813.42
Total buyer cash needed$433,427.36
Remaining funds due$433,427.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,998.00
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)$2,749.50
Prepaid interest, first (24 days)$2,840.92
Fees + prepaids$23,813.42
Your down payment is the seller’s equity. You take over the $690,186 balance, so the rest of the $1,099,800 price is paid at closing. A second mortgage can cover part of it. $433,427.36 is due at closing. Uses and sources reconcile at $1,123,613.42 each. Not a Closing Disclosure.