Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$409,913Cash toward the purchase price.
Closing costs + prepaids$13,910Not just lender fees.
Before credits & paid funds$423,822The complete starting cash picture.
Estimated remaining funds due at closing
$423,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$409,912.50
Your down payment$409,912.50
Closing costs + prepaids$13,909.61
Total buyer cash needed$423,822.11
Remaining funds due$423,822.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,465.00
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)$341.00
Prepaid interest, first (26 days)$628.61
Fees + prepaids$13,909.61
Your down payment is the seller’s equity. You take over the $236,587 balance, so the rest of the $646,500 price is paid at closing. A second mortgage can cover part of it. $423,822.11 is due at closing. Uses and sources reconcile at $660,409.61 each. Not a Closing Disclosure.