Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$389,961Cash toward the purchase price.
Closing costs + prepaids$12,966Not just lender fees.
Before credits & paid funds$402,927The complete starting cash picture.
Estimated remaining funds due at closing
$402,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$389,960.99
Your down payment$389,960.99
Closing costs + prepaids$12,966.31
Total buyer cash needed$402,927.29
Remaining funds due$402,927.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$719.00
Prepaid interest, first (2 days)$22.31
Fees + prepaids$12,966.31
Your down payment is the seller’s equity. You take over the $185,039 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $402,927.29 is due at closing. Uses and sources reconcile at $587,966.31 each. Not a Closing Disclosure.