Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$392,326Cash toward the purchase price.
Closing costs + prepaids$14,833Not just lender fees.
Before credits & paid funds$407,159The complete starting cash picture.
Estimated remaining funds due at closing
$407,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$392,326.14
Your down payment$392,326.14
Closing costs + prepaids$14,833.28
Total buyer cash needed$407,159.41
Remaining funds due$407,159.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,190.00
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)$1,547.50
Prepaid interest, first (28 days)$620.78
Fees + prepaids$14,833.28
Your down payment is the seller’s equity. You take over the $226,674 balance, so the rest of the $619,000 price is paid at closing. A second mortgage can cover part of it. $407,159.41 is due at closing. Uses and sources reconcile at $633,833.28 each. Not a Closing Disclosure.