Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$379,977Cash toward the purchase price.
Closing costs + prepaids$16,259Not just lender fees.
Before credits & paid funds$396,236The complete starting cash picture.
Estimated remaining funds due at closing
$396,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$379,977.48
Your down payment$379,977.48
Closing costs + prepaids$16,258.75
Total buyer cash needed$396,236.23
Remaining funds due$396,236.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,090.00
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)$1,522.50
Initial HOA (3 months)$1,311.00
Prepaid interest, first (30 days)$860.25
Fees + prepaids$16,258.75
Your down payment is the seller’s equity. You take over the $229,023 balance, so the rest of the $609,000 price is paid at closing. A second mortgage can cover part of it. $396,236.23 is due at closing. Uses and sources reconcile at $625,258.75 each. Not a Closing Disclosure.