Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$393,191Cash toward the purchase price.
Closing costs + prepaids$14,414Not just lender fees.
Before credits & paid funds$407,605The complete starting cash picture.
Estimated remaining funds due at closing
$407,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$393,191.06
Your down payment$393,191.06
Closing costs + prepaids$14,413.79
Total buyer cash needed$407,604.86
Remaining funds due$407,604.86
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)$1,399.00
Initial HOA (3 months)$96.00
Prepaid interest, first (22 days)$444.79
Fees + prepaids$14,413.79
Your down payment is the seller’s equity. You take over the $206,709 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $407,604.86 is due at closing. Uses and sources reconcile at $614,313.79 each. Not a Closing Disclosure.