Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$403,597Cash toward the purchase price.
Closing costs + prepaids$11,797Not just lender fees.
Before credits & paid funds$415,394The complete starting cash picture.
Estimated remaining funds due at closing
$415,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$403,596.95
Your down payment$403,596.95
Closing costs + prepaids$11,797.29
Total buyer cash needed$415,394.24
Remaining funds due$415,394.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,250.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,223.50
Prepaid interest, first (27 days)$98.79
Fees + prepaids$11,797.29
Your down payment is the seller’s equity. You take over the $21,403 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $415,394.24 is due at closing. Uses and sources reconcile at $436,797.29 each. Not a Closing Disclosure.