Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$425,388Cash toward the purchase price.
Closing costs + prepaids$13,231Not just lender fees.
Before credits & paid funds$438,619The complete starting cash picture.
Estimated remaining funds due at closing
$438,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$425,388.27
Your down payment$425,388.27
Closing costs + prepaids$13,231.12
Total buyer cash needed$438,619.39
Remaining funds due$438,619.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.00
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)$1,026.25
Prepaid interest, first (24 days)$430.87
Fees + prepaids$13,231.12
Your down payment is the seller’s equity. You take over the $104,512 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $438,619.39 is due at closing. Uses and sources reconcile at $543,131.12 each. Not a Closing Disclosure.