Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$398,452Cash toward the purchase price.
Closing costs + prepaids$11,325Not just lender fees.
Before credits & paid funds$409,777The complete starting cash picture.
Estimated remaining funds due at closing
$409,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$398,452.14
Your down payment$398,452.14
Closing costs + prepaids$11,324.97
Total buyer cash needed$409,777.11
Remaining funds due$409,777.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.00
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)$763.25
Initial HOA (3 months)$150.00
Prepaid interest, first (31 days)$37.72
Fees + prepaids$11,324.97
Your down payment is the seller’s equity. You take over the $16,448 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $409,777.11 is due at closing. Uses and sources reconcile at $426,224.97 each. Not a Closing Disclosure.