Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$411,161Cash toward the purchase price.
Closing costs + prepaids$14,255Not just lender fees.
Before credits & paid funds$425,416The complete starting cash picture.
Estimated remaining funds due at closing
$425,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$411,160.82
Your down payment$411,160.82
Closing costs + prepaids$14,255.12
Total buyer cash needed$425,415.94
Remaining funds due$425,415.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,875.32
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)$1,468.75
Prepaid interest, first (24 days)$436.05
Fees + prepaids$14,255.12
Your down payment is the seller’s equity. You take over the $176,371 balance, so the rest of the $587,532 price is paid at closing. A second mortgage can cover part of it. $425,415.94 is due at closing. Uses and sources reconcile at $601,787.12 each. Not a Closing Disclosure.