Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$401,251Cash toward the purchase price.
Closing costs + prepaids$12,704Not just lender fees.
Before credits & paid funds$413,954The complete starting cash picture.
Estimated remaining funds due at closing
$413,954No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$401,250.69
Your down payment$401,250.69
Closing costs + prepaids$12,703.66
Total buyer cash needed$413,954.35
Remaining funds due$413,954.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,490.00
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)$658.75
Prepaid interest, first (6 days)$79.91
Fees + prepaids$12,703.66
Your down payment is the seller’s equity. You take over the $147,749 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $413,954.35 is due at closing. Uses and sources reconcile at $561,703.66 each. Not a Closing Disclosure.