Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$404,905Cash toward the purchase price.
Closing costs + prepaids$20,760Not just lender fees.
Before credits & paid funds$425,665The complete starting cash picture.
Estimated remaining funds due at closing
$425,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$404,904.82
Your down payment$404,904.82
Closing costs + prepaids$20,759.96
Total buyer cash needed$425,664.79
Remaining funds due$425,664.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,999.99
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)$2,500.00
Prepaid interest, first (23 days)$1,034.97
Fees + prepaids$20,759.96
Your down payment is the seller’s equity. You take over the $595,094 balance, so the rest of the $999,999 price is paid at closing. A second mortgage can cover part of it. $425,664.79 is due at closing. Uses and sources reconcile at $1,020,758.96 each. Not a Closing Disclosure.