Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$399,902Cash toward the purchase price.
Closing costs + prepaids$12,238Not just lender fees.
Before credits & paid funds$412,141The complete starting cash picture.
Estimated remaining funds due at closing
$412,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$399,902.23
Your down payment$399,902.23
Closing costs + prepaids$12,238.41
Total buyer cash needed$412,140.64
Remaining funds due$412,140.64
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)$1,568.25
Initial HOA (3 months)$27.24
Prepaid interest, first (22 days)$117.92
Fees + prepaids$12,238.41
Your down payment is the seller’s equity. You take over the $30,098 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $412,140.64 is due at closing. Uses and sources reconcile at $442,238.41 each. Not a Closing Disclosure.