Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$409,909Cash toward the purchase price.
Closing costs + prepaids$12,250Not just lender fees.
Before credits & paid funds$422,159The complete starting cash picture.
Estimated remaining funds due at closing
$422,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$409,909.43
Your down payment$409,909.43
Closing costs + prepaids$12,249.66
Total buyer cash needed$422,159.09
Remaining funds due$422,159.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,149.00
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)$365.00
Prepaid interest, first (23 days)$260.66
Fees + prepaids$12,249.66
Your down payment is the seller’s equity. You take over the $104,991 balance, so the rest of the $514,900 price is paid at closing. A second mortgage can cover part of it. $422,159.09 is due at closing. Uses and sources reconcile at $527,149.66 each. Not a Closing Disclosure.