Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$415,769Cash toward the purchase price.
Closing costs + prepaids$13,631Not just lender fees.
Before credits & paid funds$429,400The complete starting cash picture.
Estimated remaining funds due at closing
$429,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$415,768.91
Your down payment$415,768.91
Closing costs + prepaids$13,630.66
Total buyer cash needed$429,399.57
Remaining funds due$429,399.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,250.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,570.00
Initial HOA (3 months)$1,530.00
Prepaid interest, first (31 days)$55.66
Fees + prepaids$13,630.66
Your down payment is the seller’s equity. You take over the $9,231 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $429,399.57 is due at closing. Uses and sources reconcile at $438,630.66 each. Not a Closing Disclosure.