Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$407,113Cash toward the purchase price.
Closing costs + prepaids$20,238Not just lender fees.
Before credits & paid funds$427,351The complete starting cash picture.
Estimated remaining funds due at closing
$427,351No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$407,113.04
Your down payment$407,113.04
Closing costs + prepaids$20,238.39
Total buyer cash needed$427,351.42
Remaining funds due$427,351.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,450.00
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)$2,362.50
Prepaid interest, first (29 days)$1,200.89
Fees + prepaids$20,238.39
Your down payment is the seller’s equity. You take over the $537,887 balance, so the rest of the $945,000 price is paid at closing. A second mortgage can cover part of it. $427,351.42 is due at closing. Uses and sources reconcile at $965,238.39 each. Not a Closing Disclosure.