Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$413,923Cash toward the purchase price.
Closing costs + prepaids$22,411Not just lender fees.
Before credits & paid funds$436,333The complete starting cash picture.
Estimated remaining funds due at closing
$436,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$413,922.60
Your down payment$413,922.60
Closing costs + prepaids$22,410.81
Total buyer cash needed$436,333.42
Remaining funds due$436,333.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,490.00
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)$2,622.50
Prepaid interest, first (18 days)$2,073.31
Fees + prepaids$22,410.81
Your down payment is the seller’s equity. You take over the $635,077 balance, so the rest of the $1,049,000 price is paid at closing. A second mortgage can cover part of it. $436,333.42 is due at closing. Uses and sources reconcile at $1,071,410.81 each. Not a Closing Disclosure.