Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$414,097Cash toward the purchase price.
Closing costs + prepaids$11,276Not just lender fees.
Before credits & paid funds$425,373The complete starting cash picture.
Estimated remaining funds due at closing
$425,373No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$414,097.13
Your down payment$414,097.13
Closing costs + prepaids$11,275.63
Total buyer cash needed$425,372.76
Remaining funds due$425,372.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$361.00
Initial HOA (3 months)$318.00
Prepaid interest, first (24 days)$71.63
Fees + prepaids$11,275.63
Your down payment is the seller’s equity. You take over the $15,903 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $425,372.76 is due at closing. Uses and sources reconcile at $441,275.63 each. Not a Closing Disclosure.