Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$388,846Cash toward the purchase price.
Closing costs + prepaids$16,413Not just lender fees.
Before credits & paid funds$405,259The complete starting cash picture.
Estimated remaining funds due at closing
$405,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$388,846.05
Your down payment$388,846.05
Closing costs + prepaids$16,413.24
Total buyer cash needed$405,259.29
Remaining funds due$405,259.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,449.99
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)$1,612.50
Initial HOA (3 months)$1,188.00
Prepaid interest, first (28 days)$687.75
Fees + prepaids$16,413.24
Your down payment is the seller’s equity. You take over the $256,153 balance, so the rest of the $644,999 price is paid at closing. A second mortgage can cover part of it. $405,259.29 is due at closing. Uses and sources reconcile at $661,412.24 each. Not a Closing Disclosure.