Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$397,149Cash toward the purchase price.
Closing costs + prepaids$14,194Not just lender fees.
Before credits & paid funds$411,343The complete starting cash picture.
Estimated remaining funds due at closing
$411,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$397,149.14
Your down payment$397,149.14
Closing costs + prepaids$14,194.08
Total buyer cash needed$411,343.22
Remaining funds due$411,343.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,790.00
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)$1,447.50
Prepaid interest, first (27 days)$481.58
Fees + prepaids$14,194.08
Your down payment is the seller’s equity. You take over the $181,851 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $411,343.22 is due at closing. Uses and sources reconcile at $593,194.08 each. Not a Closing Disclosure.