Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$372,963Cash toward the purchase price.
Closing costs + prepaids$11,029Not just lender fees.
Before credits & paid funds$383,992The complete starting cash picture.
Estimated remaining funds due at closing
$383,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$372,962.73
Your down payment$372,962.73
Closing costs + prepaids$11,028.86
Total buyer cash needed$383,991.59
Remaining funds due$383,991.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.00
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)$380.00
Initial HOA (3 months)$270.00
Prepaid interest, first (1 days)$4.86
Fees + prepaids$11,028.86
Your down payment is the seller’s equity. You take over the $41,937 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $383,991.59 is due at closing. Uses and sources reconcile at $425,928.86 each. Not a Closing Disclosure.