Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$390,545Cash toward the purchase price.
Closing costs + prepaids$11,300Not just lender fees.
Before credits & paid funds$401,845The complete starting cash picture.
Estimated remaining funds due at closing
$401,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$390,545.21
Your down payment$390,545.21
Closing costs + prepaids$11,300.21
Total buyer cash needed$401,845.43
Remaining funds due$401,845.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$498.00
Initial HOA (3 months)$384.00
Prepaid interest, first (10 days)$43.21
Fees + prepaids$11,300.21
Your down payment is the seller’s equity. You take over the $24,455 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $401,845.43 is due at closing. Uses and sources reconcile at $426,300.21 each. Not a Closing Disclosure.