Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$410,652Cash toward the purchase price.
Closing costs + prepaids$11,134Not just lender fees.
Before credits & paid funds$421,786The complete starting cash picture.
Estimated remaining funds due at closing
$421,786No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$410,652.21
Your down payment$410,652.21
Closing costs + prepaids$11,133.69
Total buyer cash needed$421,785.89
Remaining funds due$421,785.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$602.25
Initial HOA (3 months)$62.49
Prepaid interest, first (26 days)$43.95
Fees + prepaids$11,133.69
Your down payment is the seller’s equity. You take over the $9,348 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $421,785.89 is due at closing. Uses and sources reconcile at $431,133.69 each. Not a Closing Disclosure.