Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$389,069Cash toward the purchase price.
Closing costs + prepaids$13,677Not just lender fees.
Before credits & paid funds$402,746The complete starting cash picture.
Estimated remaining funds due at closing
$402,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$389,069.22
Your down payment$389,069.22
Closing costs + prepaids$13,677.16
Total buyer cash needed$402,746.39
Remaining funds due$402,746.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$556.75
Prepaid interest, first (31 days)$646.41
Fees + prepaids$13,677.16
Your down payment is the seller’s equity. You take over the $210,831 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $402,746.39 is due at closing. Uses and sources reconcile at $613,577.16 each. Not a Closing Disclosure.