Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$372,484Cash toward the purchase price.
Closing costs + prepaids$15,377Not just lender fees.
Before credits & paid funds$387,861The complete starting cash picture.
Estimated remaining funds due at closing
$387,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$372,483.79
Your down payment$372,483.79
Closing costs + prepaids$15,377.25
Total buyer cash needed$387,861.04
Remaining funds due$387,861.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,780.00
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)$1,445.00
Initial HOA (3 months)$591.00
Prepaid interest, first (28 days)$1,086.25
Fees + prepaids$15,377.25
Your down payment is the seller’s equity. You take over the $205,516 balance, so the rest of the $578,000 price is paid at closing. A second mortgage can cover part of it. $387,861.04 is due at closing. Uses and sources reconcile at $593,377.25 each. Not a Closing Disclosure.