Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$400,010Cash toward the purchase price.
Closing costs + prepaids$11,086Not just lender fees.
Before credits & paid funds$411,096The complete starting cash picture.
Estimated remaining funds due at closing
$411,096No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$400,010.46
Your down payment$400,010.46
Closing costs + prepaids$11,085.67
Total buyer cash needed$411,096.13
Remaining funds due$411,096.13
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)$180.00
Prepaid interest, first (12 days)$32.67
Fees + prepaids$11,085.67
Your down payment is the seller’s equity. You take over the $14,990 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $411,096.13 is due at closing. Uses and sources reconcile at $426,085.67 each. Not a Closing Disclosure.