Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$452,839Cash toward the purchase price.
Closing costs + prepaids$21,306Not just lender fees.
Before credits & paid funds$474,145The complete starting cash picture.
Estimated remaining funds due at closing
$474,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$452,839.32
Your down payment$452,839.32
Closing costs + prepaids$21,305.80
Total buyer cash needed$474,145.12
Remaining funds due$474,145.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,800.00
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)$1,350.00
Prepaid interest, first (17 days)$1,930.80
Fees + prepaids$21,305.80
Your down payment is the seller’s equity. You take over the $627,161 balance, so the rest of the $1,080,000 price is paid at closing. A second mortgage can cover part of it. $474,145.12 is due at closing. Uses and sources reconcile at $1,101,305.80 each. Not a Closing Disclosure.