Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$376,662Cash toward the purchase price.
Closing costs + prepaids$13,407Not just lender fees.
Before credits & paid funds$390,069The complete starting cash picture.
Estimated remaining funds due at closing
$390,069No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$376,661.64
Your down payment$376,661.64
Closing costs + prepaids$13,407.00
Total buyer cash needed$390,068.64
Remaining funds due$390,068.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,850.00
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)$559.50
Prepaid interest, first (23 days)$522.50
Fees + prepaids$13,407.00
Your down payment is the seller’s equity. You take over the $208,338 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $390,068.64 is due at closing. Uses and sources reconcile at $598,407.00 each. Not a Closing Disclosure.