Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$411,685Cash toward the purchase price.
Closing costs + prepaids$13,115Not just lender fees.
Before credits & paid funds$424,800The complete starting cash picture.
Estimated remaining funds due at closing
$424,800No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$411,685.43
Your down payment$411,685.43
Closing costs + prepaids$13,114.82
Total buyer cash needed$424,800.25
Remaining funds due$424,800.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$2,470.50
Initial HOA (3 months)$38.76
Prepaid interest, first (24 days)$81.56
Fees + prepaids$13,114.82
Your down payment is the seller’s equity. You take over the $18,215 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $424,800.25 is due at closing. Uses and sources reconcile at $443,014.82 each. Not a Closing Disclosure.