Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$414,594Cash toward the purchase price.
Closing costs + prepaids$15,129Not just lender fees.
Before credits & paid funds$429,723The complete starting cash picture.
Estimated remaining funds due at closing
$429,723No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$414,593.93
Your down payment$414,593.93
Closing costs + prepaids$15,128.89
Total buyer cash needed$429,722.82
Remaining funds due$429,722.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,289.00
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)$1,572.25
Prepaid interest, first (27 days)$792.64
Fees + prepaids$15,128.89
Your down payment is the seller’s equity. You take over the $214,306 balance, so the rest of the $628,900 price is paid at closing. A second mortgage can cover part of it. $429,722.82 is due at closing. Uses and sources reconcile at $644,028.89 each. Not a Closing Disclosure.