Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$385,868Cash toward the purchase price.
Closing costs + prepaids$12,403Not just lender fees.
Before credits & paid funds$398,271The complete starting cash picture.
Estimated remaining funds due at closing
$398,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$385,868.04
Your down payment$385,868.04
Closing costs + prepaids$12,403.15
Total buyer cash needed$398,271.19
Remaining funds due$398,271.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$1,110.50
Initial HOA (3 months)$768.00
Prepaid interest, first (25 days)$149.65
Fees + prepaids$12,403.15
Your down payment is the seller’s equity. You take over the $29,132 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $398,271.19 is due at closing. Uses and sources reconcile at $427,403.15 each. Not a Closing Disclosure.