Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$404,520Cash toward the purchase price.
Closing costs + prepaids$11,997Not just lender fees.
Before credits & paid funds$416,518The complete starting cash picture.
Estimated remaining funds due at closing
$416,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$404,520.26
Your down payment$404,520.26
Closing costs + prepaids$11,997.35
Total buyer cash needed$416,517.61
Remaining funds due$416,517.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
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)$564.00
Initial HOA (3 months)$168.00
Prepaid interest, first (12 days)$91.35
Fees + prepaids$11,997.35
Your down payment is the seller’s equity. You take over the $65,380 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $416,517.61 is due at closing. Uses and sources reconcile at $481,897.35 each. Not a Closing Disclosure.