Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$392,409Cash toward the purchase price.
Closing costs + prepaids$13,542Not just lender fees.
Before credits & paid funds$405,951The complete starting cash picture.
Estimated remaining funds due at closing
$405,951No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$392,409.18
Your down payment$392,409.18
Closing costs + prepaids$13,541.99
Total buyer cash needed$405,951.17
Remaining funds due$405,951.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$564.75
Initial HOA (3 months)$90.00
Prepaid interest, first (24 days)$462.24
Fees + prepaids$13,541.99
Your down payment is the seller’s equity. You take over the $202,591 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $405,951.17 is due at closing. Uses and sources reconcile at $608,541.99 each. Not a Closing Disclosure.