Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$384,806Cash toward the purchase price.
Closing costs + prepaids$13,449Not just lender fees.
Before credits & paid funds$398,255The complete starting cash picture.
Estimated remaining funds due at closing
$398,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$384,805.96
Your down payment$384,805.96
Closing costs + prepaids$13,449.01
Total buyer cash needed$398,254.96
Remaining funds due$398,254.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$2,542.50
Initial HOA (3 months)$98.76
Prepaid interest, first (25 days)$232.75
Fees + prepaids$13,449.01
Your down payment is the seller’s equity. You take over the $50,194 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $398,254.96 is due at closing. Uses and sources reconcile at $448,449.01 each. Not a Closing Disclosure.