Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$405,878Cash toward the purchase price.
Closing costs + prepaids$13,799Not just lender fees.
Before credits & paid funds$419,677The complete starting cash picture.
Estimated remaining funds due at closing
$419,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$405,877.83
Your down payment$405,877.83
Closing costs + prepaids$13,799.40
Total buyer cash needed$419,677.23
Remaining funds due$419,677.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,190.00
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)$701.50
Prepaid interest, first (22 days)$432.90
Fees + prepaids$13,799.40
Your down payment is the seller’s equity. You take over the $213,122 balance, so the rest of the $619,000 price is paid at closing. A second mortgage can cover part of it. $419,677.23 is due at closing. Uses and sources reconcile at $632,799.40 each. Not a Closing Disclosure.