Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$402,175Cash toward the purchase price.
Closing costs + prepaids$11,686Not just lender fees.
Before credits & paid funds$413,861The complete starting cash picture.
Estimated remaining funds due at closing
$413,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$402,175.20
Your down payment$402,175.20
Closing costs + prepaids$11,686.17
Total buyer cash needed$413,861.37
Remaining funds due$413,861.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$1,075.00
Prepaid interest, first (24 days)$86.17
Fees + prepaids$11,686.17
Your down payment is the seller’s equity. You take over the $27,825 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $413,861.37 is due at closing. Uses and sources reconcile at $441,686.17 each. Not a Closing Disclosure.