Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$413,415Cash toward the purchase price.
Closing costs + prepaids$12,925Not just lender fees.
Before credits & paid funds$426,340The complete starting cash picture.
Estimated remaining funds due at closing
$426,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$413,414.65
Your down payment$413,414.65
Closing costs + prepaids$12,925.04
Total buyer cash needed$426,339.70
Remaining funds due$426,339.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,608.75
Initial HOA (3 months)$150.00
Prepaid interest, first (23 days)$91.29
Fees + prepaids$12,925.04
Your down payment is the seller’s equity. You take over the $46,585 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $426,339.70 is due at closing. Uses and sources reconcile at $472,925.04 each. Not a Closing Disclosure.