Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$405,380Cash toward the purchase price.
Closing costs + prepaids$11,275Not just lender fees.
Before credits & paid funds$416,654The complete starting cash picture.
Estimated remaining funds due at closing
$416,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$405,379.63
Your down payment$405,379.63
Closing costs + prepaids$11,274.51
Total buyer cash needed$416,654.14
Remaining funds due$416,654.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.99
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)$360.50
Initial HOA (3 months)$186.99
Prepaid interest, first (31 days)$102.03
Fees + prepaids$11,274.51
Your down payment is the seller’s equity. You take over the $34,619 balance, so the rest of the $439,999 price is paid at closing. A second mortgage can cover part of it. $416,654.14 is due at closing. Uses and sources reconcile at $451,273.51 each. Not a Closing Disclosure.