Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$395,077Cash toward the purchase price.
Closing costs + prepaids$14,072Not just lender fees.
Before credits & paid funds$409,150The complete starting cash picture.
Estimated remaining funds due at closing
$409,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$395,077.40
Your down payment$395,077.40
Closing costs + prepaids$14,072.23
Total buyer cash needed$409,149.64
Remaining funds due$409,149.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,749.00
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)$1,462.50
Initial HOA (3 months)$347.01
Prepaid interest, first (2 days)$38.72
Fees + prepaids$14,072.23
Your down payment is the seller’s equity. You take over the $179,823 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $409,149.64 is due at closing. Uses and sources reconcile at $588,972.23 each. Not a Closing Disclosure.