Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$401,154Cash toward the purchase price.
Closing costs + prepaids$23,885Not just lender fees.
Before credits & paid funds$425,039The complete starting cash picture.
Estimated remaining funds due at closing
$425,039No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$401,153.84
Your down payment$401,153.84
Closing costs + prepaids$23,885.27
Total buyer cash needed$425,039.10
Remaining funds due$425,039.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,700.00
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)$1,553.75
Prepaid interest, first (26 days)$3,406.52
Fees + prepaids$23,885.27
Your down payment is the seller’s equity. You take over the $768,846 balance, so the rest of the $1,170,000 price is paid at closing. A second mortgage can cover part of it. $425,039.10 is due at closing. Uses and sources reconcile at $1,193,885.27 each. Not a Closing Disclosure.