Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$398,769Cash toward the purchase price.
Closing costs + prepaids$10,903Not just lender fees.
Before credits & paid funds$409,671The complete starting cash picture.
Estimated remaining funds due at closing
$409,671No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$398,768.76
Your down payment$398,768.76
Closing costs + prepaids$10,902.73
Total buyer cash needed$409,671.48
Remaining funds due$409,671.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,250.00
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)$270.75
Prepaid interest, first (27 days)$156.98
Fees + prepaids$10,902.73
Your down payment is the seller’s equity. You take over the $26,231 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $409,671.48 is due at closing. Uses and sources reconcile at $435,902.73 each. Not a Closing Disclosure.