Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$405,030Cash toward the purchase price.
Closing costs + prepaids$18,485Not just lender fees.
Before credits & paid funds$423,515The complete starting cash picture.
Estimated remaining funds due at closing
$423,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$405,029.91
Your down payment$405,029.91
Closing costs + prepaids$18,484.81
Total buyer cash needed$423,514.72
Remaining funds due$423,514.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,259.00
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)$2,064.75
Prepaid interest, first (18 days)$936.06
Fees + prepaids$18,484.81
Your down payment is the seller’s equity. You take over the $420,870 balance, so the rest of the $825,900 price is paid at closing. A second mortgage can cover part of it. $423,514.72 is due at closing. Uses and sources reconcile at $844,384.81 each. Not a Closing Disclosure.