Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$403,222Cash toward the purchase price.
Closing costs + prepaids$28,911Not just lender fees.
Before credits & paid funds$432,133The complete starting cash picture.
Estimated remaining funds due at closing
$432,133No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$403,222.04
Your down payment$403,222.04
Closing costs + prepaids$28,911.34
Total buyer cash needed$432,133.38
Remaining funds due$432,133.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$13,499.00
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)$3,374.75
Initial HOA (3 months)$420.00
Prepaid interest, first (29 days)$4,392.59
Fees + prepaids$28,911.34
Your down payment is the seller’s equity. You take over the $946,678 balance, so the rest of the $1,349,900 price is paid at closing. A second mortgage can cover part of it. $432,133.38 is due at closing. Uses and sources reconcile at $1,378,811.34 each. Not a Closing Disclosure.