Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$389,930Cash toward the purchase price.
Closing costs + prepaids$12,614Not just lender fees.
Before credits & paid funds$402,545The complete starting cash picture.
Estimated remaining funds due at closing
$402,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$389,930.21
Your down payment$389,930.21
Closing costs + prepaids$12,614.30
Total buyer cash needed$402,544.51
Remaining funds due$402,544.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$1,190.50
Initial HOA (3 months)$1,065.00
Prepaid interest, first (24 days)$34.80
Fees + prepaids$12,614.30
Your down payment is the seller’s equity. You take over the $19,970 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $402,544.51 is due at closing. Uses and sources reconcile at $422,514.30 each. Not a Closing Disclosure.