Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$419,854Cash toward the purchase price.
Closing costs + prepaids$12,065Not just lender fees.
Before credits & paid funds$431,919The complete starting cash picture.
Estimated remaining funds due at closing
$431,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$419,854.16
Your down payment$419,854.16
Closing costs + prepaids$12,064.89
Total buyer cash needed$431,919.06
Remaining funds due$431,919.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,290.00
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)$513.25
Initial HOA (3 months)$1,035.00
Prepaid interest, first (1 days)$1.64
Fees + prepaids$12,064.89
Your down payment is the seller’s equity. You take over the $9,146 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $431,919.06 is due at closing. Uses and sources reconcile at $441,064.89 each. Not a Closing Disclosure.