Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$408,514Cash toward the purchase price.
Closing costs + prepaids$11,383Not just lender fees.
Before credits & paid funds$419,897The complete starting cash picture.
Estimated remaining funds due at closing
$419,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$408,513.93
Your down payment$408,513.93
Closing costs + prepaids$11,382.67
Total buyer cash needed$419,896.61
Remaining funds due$419,896.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,230.00
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)$687.75
Initial HOA (3 months)$210.00
Prepaid interest, first (26 days)$29.92
Fees + prepaids$11,382.67
Your down payment is the seller’s equity. You take over the $14,486 balance, so the rest of the $423,000 price is paid at closing. A second mortgage can cover part of it. $419,896.61 is due at closing. Uses and sources reconcile at $434,382.67 each. Not a Closing Disclosure.