Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$429,000Cash toward the purchase price.
Closing costs + prepaids$11,701Not just lender fees.
Before credits & paid funds$440,701The complete starting cash picture.
Estimated remaining funds due at closing
$440,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$429,000.00
Your down payment$429,000.00
Closing costs + prepaids$11,701.49
Total buyer cash needed$440,701.49
Remaining funds due$440,701.49
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)$1,131.50
Initial HOA (3 months)$54.99
Fees + prepaids$11,701.49
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $440,701.49 is due at closing. Uses and sources reconcile at $440,701.49 each. Not a Closing Disclosure.