Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$394,192Cash toward the purchase price.
Closing costs + prepaids$19,363Not just lender fees.
Before credits & paid funds$413,556The complete starting cash picture.
Estimated remaining funds due at closing
$413,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$394,192.23
Your down payment$394,192.23
Closing costs + prepaids$19,363.47
Total buyer cash needed$413,555.70
Remaining funds due$413,555.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,000.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,753.00
Initial HOA (3 months)$360.00
Prepaid interest, first (25 days)$1,025.47
Fees + prepaids$19,363.47
Your down payment is the seller’s equity. You take over the $505,808 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $413,555.70 is due at closing. Uses and sources reconcile at $919,363.47 each. Not a Closing Disclosure.