Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$407,097Cash toward the purchase price.
Closing costs + prepaids$11,222Not just lender fees.
Before credits & paid funds$418,318The complete starting cash picture.
Estimated remaining funds due at closing
$418,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$407,096.74
Your down payment$407,096.74
Closing costs + prepaids$11,221.65
Total buyer cash needed$418,318.39
Remaining funds due$418,318.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$688.75
Initial HOA (3 months)$43.74
Prepaid interest, first (27 days)$65.16
Fees + prepaids$11,221.65
Your down payment is the seller’s equity. You take over the $12,803 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $418,318.39 is due at closing. Uses and sources reconcile at $431,121.65 each. Not a Closing Disclosure.