Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$393,466Cash toward the purchase price.
Closing costs + prepaids$14,235Not just lender fees.
Before credits & paid funds$407,701The complete starting cash picture.
Estimated remaining funds due at closing
$407,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$393,466.32
Your down payment$393,466.32
Closing costs + prepaids$14,235.09
Total buyer cash needed$407,701.42
Remaining funds due$407,701.42
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 (23 days)$522.59
Fees + prepaids$14,235.09
Your down payment is the seller’s equity. You take over the $185,534 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $407,701.42 is due at closing. Uses and sources reconcile at $593,235.09 each. Not a Closing Disclosure.