Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$408,215Cash toward the purchase price.
Closing costs + prepaids$12,897Not just lender fees.
Before credits & paid funds$421,112The complete starting cash picture.
Estimated remaining funds due at closing
$421,112No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$408,215.37
Your down payment$408,215.37
Closing costs + prepaids$12,896.86
Total buyer cash needed$421,112.23
Remaining funds due$421,112.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.00
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)$1,091.50
Initial HOA (3 months)$45.99
Prepaid interest, first (28 days)$385.37
Fees + prepaids$12,896.86
Your down payment is the seller’s equity. You take over the $81,685 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $421,112.23 is due at closing. Uses and sources reconcile at $502,796.86 each. Not a Closing Disclosure.