Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$399,870Cash toward the purchase price.
Closing costs + prepaids$11,378Not just lender fees.
Before credits & paid funds$411,248The complete starting cash picture.
Estimated remaining funds due at closing
$411,248No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$399,869.58
Your down payment$399,869.58
Closing costs + prepaids$11,378.44
Total buyer cash needed$411,248.02
Remaining funds due$411,248.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,250.00
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)$515.00
Initial HOA (3 months)$384.00
Prepaid interest, first (1 days)$4.44
Fees + prepaids$11,378.44
Your down payment is the seller’s equity. You take over the $25,130 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $411,248.02 is due at closing. Uses and sources reconcile at $436,378.44 each. Not a Closing Disclosure.