Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$394,602Cash toward the purchase price.
Closing costs + prepaids$11,098Not just lender fees.
Before credits & paid funds$405,700The complete starting cash picture.
Estimated remaining funds due at closing
$405,700No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$394,601.69
Your down payment$394,601.69
Closing costs + prepaids$11,098.28
Total buyer cash needed$405,699.97
Remaining funds due$405,699.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,120.00
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)$584.75
Initial HOA (3 months)$85.26
Prepaid interest, first (27 days)$83.27
Fees + prepaids$11,098.28
Your down payment is the seller’s equity. You take over the $17,398 balance, so the rest of the $412,000 price is paid at closing. A second mortgage can cover part of it. $405,699.97 is due at closing. Uses and sources reconcile at $423,098.28 each. Not a Closing Disclosure.