Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$419,518Cash toward the purchase price.
Closing costs + prepaids$12,427Not just lender fees.
Before credits & paid funds$431,945The complete starting cash picture.
Estimated remaining funds due at closing
$431,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$419,517.54
Your down payment$419,517.54
Closing costs + prepaids$12,427.09
Total buyer cash needed$431,944.64
Remaining funds due$431,944.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.00
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)$431.00
Initial HOA (3 months)$345.00
Prepaid interest, first (30 days)$277.09
Fees + prepaids$12,427.09
Your down payment is the seller’s equity. You take over the $70,382 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $431,944.64 is due at closing. Uses and sources reconcile at $502,327.09 each. Not a Closing Disclosure.