Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$409,963Cash toward the purchase price.
Closing costs + prepaids$10,967Not just lender fees.
Before credits & paid funds$420,930The complete starting cash picture.
Estimated remaining funds due at closing
$420,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$409,962.99
Your down payment$409,962.99
Closing costs + prepaids$10,966.96
Total buyer cash needed$420,929.96
Remaining funds due$420,929.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$571.00
Prepaid interest, first (24 days)$20.96
Fees + prepaids$10,966.96
Your down payment is the seller’s equity. You take over the $5,037 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $420,929.96 is due at closing. Uses and sources reconcile at $425,966.96 each. Not a Closing Disclosure.