Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$391,811Cash toward the purchase price.
Closing costs + prepaids$15,714Not just lender fees.
Before credits & paid funds$407,525The complete starting cash picture.
Estimated remaining funds due at closing
$407,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$391,811.32
Your down payment$391,811.32
Closing costs + prepaids$15,713.67
Total buyer cash needed$407,524.99
Remaining funds due$407,524.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,399.99
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)$1,600.00
Initial HOA (3 months)$396.00
Prepaid interest, first (27 days)$842.68
Fees + prepaids$15,713.67
Your down payment is the seller’s equity. You take over the $248,188 balance, so the rest of the $639,999 price is paid at closing. A second mortgage can cover part of it. $407,524.99 is due at closing. Uses and sources reconcile at $655,712.67 each. Not a Closing Disclosure.