Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$385,999Cash toward the purchase price.
Closing costs + prepaids$13,755Not just lender fees.
Before credits & paid funds$399,754The complete starting cash picture.
Estimated remaining funds due at closing
$399,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$385,999.13
Your down payment$385,999.13
Closing costs + prepaids$13,755.31
Total buyer cash needed$399,754.43
Remaining funds due$399,754.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,000.00
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)$793.50
Prepaid interest, first (23 days)$486.81
Fees + prepaids$13,755.31
Your down payment is the seller’s equity. You take over the $214,001 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $399,754.43 is due at closing. Uses and sources reconcile at $613,755.31 each. Not a Closing Disclosure.