Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$409,563Cash toward the purchase price.
Closing costs + prepaids$16,609Not just lender fees.
Before credits & paid funds$426,171The complete starting cash picture.
Estimated remaining funds due at closing
$426,171No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$409,562.52
Your down payment$409,562.52
Closing costs + prepaids$16,608.79
Total buyer cash needed$426,171.31
Remaining funds due$426,171.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,100.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,206.25
Initial HOA (3 months)$315.00
Prepaid interest, first (24 days)$762.54
Fees + prepaids$16,608.79
Your down payment is the seller’s equity. You take over the $300,437 balance, so the rest of the $710,000 price is paid at closing. A second mortgage can cover part of it. $426,171.31 is due at closing. Uses and sources reconcile at $726,608.79 each. Not a Closing Disclosure.