Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$410,704Cash toward the purchase price.
Closing costs + prepaids$12,173Not just lender fees.
Before credits & paid funds$422,877The complete starting cash picture.
Estimated remaining funds due at closing
$422,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$410,704.16
Your down payment$410,704.16
Closing costs + prepaids$12,173.01
Total buyer cash needed$422,877.18
Remaining funds due$422,877.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,949.00
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)$594.00
Prepaid interest, first (12 days)$155.01
Fees + prepaids$12,173.01
Your down payment is the seller’s equity. You take over the $84,196 balance, so the rest of the $494,900 price is paid at closing. A second mortgage can cover part of it. $422,877.18 is due at closing. Uses and sources reconcile at $507,073.01 each. Not a Closing Disclosure.