Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$394,052Cash toward the purchase price.
Closing costs + prepaids$12,504Not just lender fees.
Before credits & paid funds$406,555The complete starting cash picture.
Estimated remaining funds due at closing
$406,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$394,051.63
Your down payment$394,051.63
Closing costs + prepaids$12,503.65
Total buyer cash needed$406,555.28
Remaining funds due$406,555.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,090.00
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)$1,814.75
Initial HOA (3 months)$300.00
Prepaid interest, first (26 days)$73.90
Fees + prepaids$12,503.65
Your down payment is the seller’s equity. You take over the $14,948 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $406,555.28 is due at closing. Uses and sources reconcile at $421,503.65 each. Not a Closing Disclosure.