Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$405,878Cash toward the purchase price.
Closing costs + prepaids$13,644Not just lender fees.
Before credits & paid funds$419,522The complete starting cash picture.
Estimated remaining funds due at closing
$419,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$405,877.83
Your down payment$405,877.83
Closing costs + prepaids$13,643.88
Total buyer cash needed$419,521.71
Remaining funds due$419,521.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,190.00
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)$742.75
Prepaid interest, first (12 days)$236.13
Fees + prepaids$13,643.88
Your down payment is the seller’s equity. You take over the $213,122 balance, so the rest of the $619,000 price is paid at closing. A second mortgage can cover part of it. $419,521.71 is due at closing. Uses and sources reconcile at $632,643.88 each. Not a Closing Disclosure.