Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$380,344Cash toward the purchase price.
Closing costs + prepaids$14,757Not just lender fees.
Before credits & paid funds$395,101The complete starting cash picture.
Estimated remaining funds due at closing
$395,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$380,344.00
Your down payment$380,344.00
Closing costs + prepaids$14,756.89
Total buyer cash needed$395,100.89
Remaining funds due$395,100.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,989.00
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)$1,350.75
Initial HOA (3 months)$243.00
Prepaid interest, first (28 days)$699.14
Fees + prepaids$14,756.89
Your down payment is the seller’s equity. You take over the $218,556 balance, so the rest of the $598,900 price is paid at closing. A second mortgage can cover part of it. $395,100.89 is due at closing. Uses and sources reconcile at $613,656.89 each. Not a Closing Disclosure.