Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$416,315Cash toward the purchase price.
Closing costs + prepaids$13,474Not just lender fees.
Before credits & paid funds$429,789The complete starting cash picture.
Estimated remaining funds due at closing
$429,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$416,314.70
Your down payment$416,314.70
Closing costs + prepaids$13,474.31
Total buyer cash needed$429,789.00
Remaining funds due$429,789.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.99
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)$1,263.25
Initial HOA (3 months)$450.00
Prepaid interest, first (28 days)$386.07
Fees + prepaids$13,474.31
Your down payment is the seller’s equity. You take over the $73,684 balance, so the rest of the $489,999 price is paid at closing. A second mortgage can cover part of it. $429,789.00 is due at closing. Uses and sources reconcile at $503,473.31 each. Not a Closing Disclosure.