Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$399,102Cash toward the purchase price.
Closing costs + prepaids$12,520Not just lender fees.
Before credits & paid funds$411,622The complete starting cash picture.
Estimated remaining funds due at closing
$411,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$399,102.05
Your down payment$399,102.05
Closing costs + prepaids$12,519.71
Total buyer cash needed$411,621.76
Remaining funds due$411,621.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,949.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$595.50
Initial HOA (3 months)$213.00
Prepaid interest, first (31 days)$287.21
Fees + prepaids$12,519.71
Your down payment is the seller’s equity. You take over the $95,798 balance, so the rest of the $494,900 price is paid at closing. A second mortgage can cover part of it. $411,621.76 is due at closing. Uses and sources reconcile at $507,419.71 each. Not a Closing Disclosure.