Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$392,907Cash toward the purchase price.
Closing costs + prepaids$14,654Not just lender fees.
Before credits & paid funds$407,561The complete starting cash picture.
Estimated remaining funds due at closing
$407,561No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$392,906.53
Your down payment$392,906.53
Closing costs + prepaids$14,654.48
Total buyer cash needed$407,561.00
Remaining funds due$407,561.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,599.00
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)$748.75
Initial HOA (3 months)$1,398.00
Prepaid interest, first (30 days)$433.73
Fees + prepaids$14,654.48
Your down payment is the seller’s equity. You take over the $166,993 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $407,561.00 is due at closing. Uses and sources reconcile at $574,554.48 each. Not a Closing Disclosure.