Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$380,285Cash toward the purchase price.
Closing costs + prepaids$15,254Not just lender fees.
Before credits & paid funds$395,539The complete starting cash picture.
Estimated remaining funds due at closing
$395,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$380,285.39
Your down payment$380,285.39
Closing costs + prepaids$15,254.05
Total buyer cash needed$395,539.44
Remaining funds due$395,539.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,149.00
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)$1,537.25
Initial HOA (3 months)$630.00
Prepaid interest, first (24 days)$462.80
Fees + prepaids$15,254.05
Your down payment is the seller’s equity. You take over the $234,615 balance, so the rest of the $614,900 price is paid at closing. A second mortgage can cover part of it. $395,539.44 is due at closing. Uses and sources reconcile at $630,154.05 each. Not a Closing Disclosure.