Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$325,389Cash toward the purchase price.
Closing costs + prepaids$29,057Not just lender fees.
Before credits & paid funds$354,445The complete starting cash picture.
Estimated remaining funds due at closing
$354,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,388.95
Your down payment$325,388.95
Closing costs + prepaids$29,056.53
Total buyer cash needed$354,445.49
Remaining funds due$354,445.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$13,999.00
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)$3,499.75
Prepaid interest, first (22 days)$4,332.78
Fees + prepaids$29,056.53
Your down payment is the seller’s equity. You take over the $1,074,511 balance, so the rest of the $1,399,900 price is paid at closing. A second mortgage can cover part of it. $354,445.49 is due at closing. Uses and sources reconcile at $1,428,956.53 each. Not a Closing Disclosure.