Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$382,090Cash toward the purchase price.
Closing costs + prepaids$21,516Not just lender fees.
Before credits & paid funds$403,606The complete starting cash picture.
Estimated remaining funds due at closing
$403,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,090.05
Your down payment$382,090.05
Closing costs + prepaids$21,516.34
Total buyer cash needed$403,606.39
Remaining funds due$403,606.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,950.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,434.00
Prepaid interest, first (6 days)$907.34
Fees + prepaids$21,516.34
Your down payment is the seller’s equity. You take over the $812,910 balance, so the rest of the $1,195,000 price is paid at closing. A second mortgage can cover part of it. $403,606.39 is due at closing. Uses and sources reconcile at $1,216,516.34 each. Not a Closing Disclosure.