Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$399,084Cash toward the purchase price.
Closing costs + prepaids$10,972Not just lender fees.
Before credits & paid funds$410,055The complete starting cash picture.
Estimated remaining funds due at closing
$410,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$399,083.51
Your down payment$399,083.51
Closing costs + prepaids$10,971.72
Total buyer cash needed$410,055.23
Remaining funds due$410,055.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,080.00
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)$508.00
Initial HOA (3 months)$120.00
Prepaid interest, first (27 days)$38.72
Fees + prepaids$10,971.72
Your down payment is the seller’s equity. You take over the $8,916 balance, so the rest of the $408,000 price is paid at closing. A second mortgage can cover part of it. $410,055.23 is due at closing. Uses and sources reconcile at $418,971.72 each. Not a Closing Disclosure.