Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$397,741Cash toward the purchase price.
Closing costs + prepaids$21,104Not just lender fees.
Before credits & paid funds$418,845The complete starting cash picture.
Estimated remaining funds due at closing
$418,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$397,741.17
Your down payment$397,741.17
Closing costs + prepaids$21,104.20
Total buyer cash needed$418,845.37
Remaining funds due$418,845.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,990.00
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)$2,247.50
Prepaid interest, first (28 days)$2,641.70
Fees + prepaids$21,104.20
Your down payment is the seller’s equity. You take over the $501,259 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $418,845.37 is due at closing. Uses and sources reconcile at $920,104.20 each. Not a Closing Disclosure.