Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$414,097Cash toward the purchase price.
Closing costs + prepaids$11,389Not just lender fees.
Before credits & paid funds$425,486The complete starting cash picture.
Estimated remaining funds due at closing
$425,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$414,097.13
Your down payment$414,097.13
Closing costs + prepaids$11,388.85
Total buyer cash needed$425,485.98
Remaining funds due$425,485.98
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)$516.00
Initial HOA (3 months)$318.00
Prepaid interest, first (10 days)$29.85
Fees + prepaids$11,388.85
Your down payment is the seller’s equity. You take over the $15,903 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $425,485.98 is due at closing. Uses and sources reconcile at $441,388.85 each. Not a Closing Disclosure.