Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$401,321Cash toward the purchase price.
Closing costs + prepaids$10,938Not just lender fees.
Before credits & paid funds$412,259The complete starting cash picture.
Estimated remaining funds due at closing
$412,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$401,320.87
Your down payment$401,320.87
Closing costs + prepaids$10,938.08
Total buyer cash needed$412,258.95
Remaining funds due$412,258.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$313.50
Prepaid interest, first (19 days)$99.58
Fees + prepaids$10,938.08
Your down payment is the seller’s equity. You take over the $28,679 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $412,258.95 is due at closing. Uses and sources reconcile at $440,938.08 each. Not a Closing Disclosure.