Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$411,919Cash toward the purchase price.
Closing costs + prepaids$14,227Not just lender fees.
Before credits & paid funds$426,145The complete starting cash picture.
Estimated remaining funds due at closing
$426,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$411,918.64
Your down payment$411,918.64
Closing costs + prepaids$14,226.74
Total buyer cash needed$426,145.37
Remaining funds due$426,145.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.99
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)$1,325.00
Initial HOA (3 months)$855.00
Prepaid interest, first (28 days)$271.75
Fees + prepaids$14,226.74
Your down payment is the seller’s equity. You take over the $118,080 balance, so the rest of the $529,999 price is paid at closing. A second mortgage can cover part of it. $426,145.37 is due at closing. Uses and sources reconcile at $544,225.74 each. Not a Closing Disclosure.