Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$398,967Cash toward the purchase price.
Closing costs + prepaids$11,739Not just lender fees.
Before credits & paid funds$410,707The complete starting cash picture.
Estimated remaining funds due at closing
$410,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$398,967.15
Your down payment$398,967.15
Closing costs + prepaids$11,739.44
Total buyer cash needed$410,706.59
Remaining funds due$410,706.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$558.00
Prepaid interest, first (10 days)$56.44
Fees + prepaids$11,739.44
Your down payment is the seller’s equity. You take over the $66,033 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $410,706.59 is due at closing. Uses and sources reconcile at $476,739.44 each. Not a Closing Disclosure.