Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$378,955Cash toward the purchase price.
Closing costs + prepaids$14,054Not just lender fees.
Before credits & paid funds$393,008The complete starting cash picture.
Estimated remaining funds due at closing
$393,008No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$378,954.90
Your down payment$378,954.90
Closing costs + prepaids$14,053.52
Total buyer cash needed$393,008.42
Remaining funds due$393,008.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,670.00
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)$1,338.75
Initial HOA (3 months)$110.01
Prepaid interest, first (23 days)$459.76
Fees + prepaids$14,053.52
Your down payment is the seller’s equity. You take over the $188,045 balance, so the rest of the $567,000 price is paid at closing. A second mortgage can cover part of it. $393,008.42 is due at closing. Uses and sources reconcile at $581,053.52 each. Not a Closing Disclosure.