Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$378,537Cash toward the purchase price.
Closing costs + prepaids$25,691Not just lender fees.
Before credits & paid funds$404,229The complete starting cash picture.
Estimated remaining funds due at closing
$404,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$378,537.12
Your down payment$378,537.12
Closing costs + prepaids$25,691.40
Total buyer cash needed$404,228.52
Remaining funds due$404,228.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$13,250.00
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)$1,499.00
Prepaid interest, first (28 days)$3,717.40
Fees + prepaids$25,691.40
Your down payment is the seller’s equity. You take over the $946,463 balance, so the rest of the $1,325,000 price is paid at closing. A second mortgage can cover part of it. $404,228.52 is due at closing. Uses and sources reconcile at $1,350,691.40 each. Not a Closing Disclosure.