Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$394,741Cash toward the purchase price.
Closing costs + prepaids$20,493Not just lender fees.
Before credits & paid funds$415,234The complete starting cash picture.
Estimated remaining funds due at closing
$415,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$394,741.03
Your down payment$394,741.03
Closing costs + prepaids$20,492.94
Total buyer cash needed$415,233.97
Remaining funds due$415,233.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,690.00
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)$2,422.50
Prepaid interest, first (27 days)$1,155.44
Fees + prepaids$20,492.94
Your down payment is the seller’s equity. You take over the $574,259 balance, so the rest of the $969,000 price is paid at closing. A second mortgage can cover part of it. $415,233.97 is due at closing. Uses and sources reconcile at $989,492.94 each. Not a Closing Disclosure.