Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$401,932Cash toward the purchase price.
Closing costs + prepaids$11,382Not just lender fees.
Before credits & paid funds$413,313The complete starting cash picture.
Estimated remaining funds due at closing
$413,313No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$401,931.80
Your down payment$401,931.80
Closing costs + prepaids$11,381.66
Total buyer cash needed$413,313.46
Remaining funds due$413,313.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$499.25
Initial HOA (3 months)$390.00
Prepaid interest, first (22 days)$67.41
Fees + prepaids$11,381.66
Your down payment is the seller’s equity. You take over the $18,068 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $413,313.46 is due at closing. Uses and sources reconcile at $431,381.66 each. Not a Closing Disclosure.