Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$395,779Cash toward the purchase price.
Closing costs + prepaids$14,701Not just lender fees.
Before credits & paid funds$410,480The complete starting cash picture.
Estimated remaining funds due at closing
$410,480No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$395,778.59
Your down payment$395,778.59
Closing costs + prepaids$14,700.98
Total buyer cash needed$410,479.57
Remaining funds due$410,479.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,000.00
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)$1,462.25
Prepaid interest, first (26 days)$763.73
Fees + prepaids$14,700.98
Your down payment is the seller’s equity. You take over the $204,221 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $410,479.57 is due at closing. Uses and sources reconcile at $614,700.98 each. Not a Closing Disclosure.