Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$416,005Cash toward the purchase price.
Closing costs + prepaids$11,384Not just lender fees.
Before credits & paid funds$427,389The complete starting cash picture.
Estimated remaining funds due at closing
$427,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$416,004.81
Your down payment$416,004.81
Closing costs + prepaids$11,384.43
Total buyer cash needed$427,389.24
Remaining funds due$427,389.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,270.00
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)$589.25
Initial HOA (3 months)$243.00
Prepaid interest, first (27 days)$57.18
Fees + prepaids$11,384.43
Your down payment is the seller’s equity. You take over the $10,995 balance, so the rest of the $427,000 price is paid at closing. A second mortgage can cover part of it. $427,389.24 is due at closing. Uses and sources reconcile at $438,384.43 each. Not a Closing Disclosure.