Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$401,421Cash toward the purchase price.
Closing costs + prepaids$12,206Not just lender fees.
Before credits & paid funds$413,626The complete starting cash picture.
Estimated remaining funds due at closing
$413,626No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$401,420.61
Your down payment$401,420.61
Closing costs + prepaids$12,205.55
Total buyer cash needed$413,626.16
Remaining funds due$413,626.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.90
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)$418.00
Prepaid interest, first (1 days)$12.65
Fees + prepaids$12,205.55
Your down payment is the seller’s equity. You take over the $128,569 balance, so the rest of the $529,990 price is paid at closing. A second mortgage can cover part of it. $413,626.16 is due at closing. Uses and sources reconcile at $542,195.55 each. Not a Closing Disclosure.