Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$371,399Cash toward the purchase price.
Closing costs + prepaids$17,058Not just lender fees.
Before credits & paid funds$388,457The complete starting cash picture.
Estimated remaining funds due at closing
$388,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$371,399.31
Your down payment$371,399.31
Closing costs + prepaids$17,058.15
Total buyer cash needed$388,457.47
Remaining funds due$388,457.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,980.00
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)$1,495.00
Initial HOA (3 months)$2,406.00
Prepaid interest, first (29 days)$702.15
Fees + prepaids$17,058.15
Your down payment is the seller’s equity. You take over the $226,601 balance, so the rest of the $598,000 price is paid at closing. A second mortgage can cover part of it. $388,457.47 is due at closing. Uses and sources reconcile at $615,058.15 each. Not a Closing Disclosure.