Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$400,015Cash toward the purchase price.
Closing costs + prepaids$12,569Not just lender fees.
Before credits & paid funds$412,584The complete starting cash picture.
Estimated remaining funds due at closing
$412,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$400,015.05
Your down payment$400,015.05
Closing costs + prepaids$12,568.63
Total buyer cash needed$412,583.68
Remaining funds due$412,583.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$165.75
Prepaid interest, first (28 days)$428.88
Fees + prepaids$12,568.63
Your down payment is the seller’s equity. You take over the $149,885 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $412,583.68 is due at closing. Uses and sources reconcile at $562,468.63 each. Not a Closing Disclosure.