Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$385,599Cash toward the purchase price.
Closing costs + prepaids$14,532Not just lender fees.
Before credits & paid funds$400,132The complete starting cash picture.
Estimated remaining funds due at closing
$400,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$385,599.39
Your down payment$385,599.39
Closing costs + prepaids$14,532.23
Total buyer cash needed$400,131.62
Remaining funds due$400,131.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,649.00
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)$1,462.75
Initial HOA (3 months)$347.01
Prepaid interest, first (31 days)$598.47
Fees + prepaids$14,532.23
Your down payment is the seller’s equity. You take over the $179,301 balance, so the rest of the $564,900 price is paid at closing. A second mortgage can cover part of it. $400,131.62 is due at closing. Uses and sources reconcile at $579,432.23 each. Not a Closing Disclosure.