Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$394,192Cash toward the purchase price.
Closing costs + prepaids$18,157Not just lender fees.
Before credits & paid funds$412,349The complete starting cash picture.
Estimated remaining funds due at closing
$412,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$394,192.23
Your down payment$394,192.23
Closing costs + prepaids$18,157.23
Total buyer cash needed$412,349.46
Remaining funds due$412,349.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,000.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,080.00
Initial HOA (3 months)$360.00
Prepaid interest, first (12 days)$492.23
Fees + prepaids$18,157.23
Your down payment is the seller’s equity. You take over the $505,808 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $412,349.46 is due at closing. Uses and sources reconcile at $918,157.23 each. Not a Closing Disclosure.