Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$419,866Cash toward the purchase price.
Closing costs + prepaids$12,108Not just lender fees.
Before credits & paid funds$431,974The complete starting cash picture.
Estimated remaining funds due at closing
$431,974No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$419,866.26
Your down payment$419,866.26
Closing costs + prepaids$12,107.57
Total buyer cash needed$431,973.83
Remaining funds due$431,973.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,290.00
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)$513.25
Initial HOA (3 months)$1,035.00
Prepaid interest, first (27 days)$44.32
Fees + prepaids$12,107.57
Your down payment is the seller’s equity. You take over the $9,134 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $431,973.83 is due at closing. Uses and sources reconcile at $441,107.57 each. Not a Closing Disclosure.