Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$385,819Cash toward the purchase price.
Closing costs + prepaids$15,796Not just lender fees.
Before credits & paid funds$401,615The complete starting cash picture.
Estimated remaining funds due at closing
$401,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$385,818.70
Your down payment$385,818.70
Closing costs + prepaids$15,796.13
Total buyer cash needed$401,614.84
Remaining funds due$401,614.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$1,499.75
Initial HOA (3 months)$1,188.00
Prepaid interest, first (26 days)$634.38
Fees + prepaids$15,796.13
Your down payment is the seller’s equity. You take over the $214,081 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $401,614.84 is due at closing. Uses and sources reconcile at $615,696.13 each. Not a Closing Disclosure.