Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$385,039Cash toward the purchase price.
Closing costs + prepaids$13,512Not just lender fees.
Before credits & paid funds$398,551The complete starting cash picture.
Estimated remaining funds due at closing
$398,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$385,039.13
Your down payment$385,039.13
Closing costs + prepaids$13,512.31
Total buyer cash needed$398,551.45
Remaining funds due$398,551.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,599.95
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)$818.25
Initial HOA (3 months)$144.00
Prepaid interest, first (24 days)$475.11
Fees + prepaids$13,512.31
Your down payment is the seller’s equity. You take over the $174,956 balance, so the rest of the $559,995 price is paid at closing. A second mortgage can cover part of it. $398,551.45 is due at closing. Uses and sources reconcile at $573,507.31 each. Not a Closing Disclosure.