Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$401,682Cash toward the purchase price.
Closing costs + prepaids$19,812Not just lender fees.
Before credits & paid funds$421,494The complete starting cash picture.
Estimated remaining funds due at closing
$421,494No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$401,682.33
Your down payment$401,682.33
Closing costs + prepaids$19,811.76
Total buyer cash needed$421,494.10
Remaining funds due$421,494.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,190.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,297.50
Prepaid interest, first (28 days)$1,099.26
Fees + prepaids$19,811.76
Your down payment is the seller’s equity. You take over the $517,318 balance, so the rest of the $919,000 price is paid at closing. A second mortgage can cover part of it. $421,494.10 is due at closing. Uses and sources reconcile at $938,811.76 each. Not a Closing Disclosure.