Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$397,081Cash toward the purchase price.
Closing costs + prepaids$12,983Not just lender fees.
Before credits & paid funds$410,064The complete starting cash picture.
Estimated remaining funds due at closing
$410,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$397,080.79
Your down payment$397,080.79
Closing costs + prepaids$12,983.07
Total buyer cash needed$410,063.87
Remaining funds due$410,063.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,949.99
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)$1,237.50
Prepaid interest, first (25 days)$320.58
Fees + prepaids$12,983.07
Your down payment is the seller’s equity. You take over the $97,918 balance, so the rest of the $494,999 price is paid at closing. A second mortgage can cover part of it. $410,063.87 is due at closing. Uses and sources reconcile at $507,982.07 each. Not a Closing Disclosure.