Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$398,741Cash toward the purchase price.
Closing costs + prepaids$12,242Not just lender fees.
Before credits & paid funds$410,983The complete starting cash picture.
Estimated remaining funds due at closing
$410,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$398,741.09
Your down payment$398,741.09
Closing costs + prepaids$12,241.80
Total buyer cash needed$410,982.89
Remaining funds due$410,982.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,949.00
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)$595.50
Initial HOA (3 months)$213.00
Prepaid interest, first (1 days)$9.30
Fees + prepaids$12,241.80
Your down payment is the seller’s equity. You take over the $96,159 balance, so the rest of the $494,900 price is paid at closing. A second mortgage can cover part of it. $410,982.89 is due at closing. Uses and sources reconcile at $507,141.80 each. Not a Closing Disclosure.