Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$401,877Cash toward the purchase price.
Closing costs + prepaids$15,048Not just lender fees.
Before credits & paid funds$416,925The complete starting cash picture.
Estimated remaining funds due at closing
$416,925No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$401,877.49
Your down payment$401,877.49
Closing costs + prepaids$15,047.85
Total buyer cash needed$416,925.33
Remaining funds due$416,925.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,160.00
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)$1,514.00
Initial HOA (3 months)$216.00
Prepaid interest, first (30 days)$682.85
Fees + prepaids$15,047.85
Your down payment is the seller’s equity. You take over the $214,123 balance, so the rest of the $616,000 price is paid at closing. A second mortgage can cover part of it. $416,925.33 is due at closing. Uses and sources reconcile at $631,047.85 each. Not a Closing Disclosure.