Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$399,860Cash toward the purchase price.
Closing costs + prepaids$26,346Not just lender fees.
Before credits & paid funds$426,206The complete starting cash picture.
Estimated remaining funds due at closing
$426,206No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$399,860.01
Your down payment$399,860.01
Closing costs + prepaids$26,346.40
Total buyer cash needed$426,206.41
Remaining funds due$426,206.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$12,990.00
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)$3,247.50
Prepaid interest, first (23 days)$2,883.90
Fees + prepaids$26,346.40
Your down payment is the seller’s equity. You take over the $899,140 balance, so the rest of the $1,299,000 price is paid at closing. A second mortgage can cover part of it. $426,206.41 is due at closing. Uses and sources reconcile at $1,325,346.40 each. Not a Closing Disclosure.