Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$415,654Cash toward the purchase price.
Closing costs + prepaids$12,571Not just lender fees.
Before credits & paid funds$428,225The complete starting cash picture.
Estimated remaining funds due at closing
$428,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$415,654.08
Your down payment$415,654.08
Closing costs + prepaids$12,570.85
Total buyer cash needed$428,224.93
Remaining funds due$428,224.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,249.00
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)$656.25
Prepaid interest, first (16 days)$190.60
Fees + prepaids$12,570.85
Your down payment is the seller’s equity. You take over the $109,246 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $428,224.93 is due at closing. Uses and sources reconcile at $537,470.85 each. Not a Closing Disclosure.