Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$377,805Cash toward the purchase price.
Closing costs + prepaids$12,960Not just lender fees.
Before credits & paid funds$390,765The complete starting cash picture.
Estimated remaining funds due at closing
$390,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$377,805.02
Your down payment$377,805.02
Closing costs + prepaids$12,960.42
Total buyer cash needed$390,765.45
Remaining funds due$390,765.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,990.00
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)$456.25
Initial HOA (3 months)$12.51
Prepaid interest, first (1 days)$26.66
Fees + prepaids$12,960.42
Your down payment is the seller’s equity. You take over the $221,195 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $390,765.45 is due at closing. Uses and sources reconcile at $611,960.42 each. Not a Closing Disclosure.