Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$381,568Cash toward the purchase price.
Closing costs + prepaids$13,726Not just lender fees.
Before credits & paid funds$395,294The complete starting cash picture.
Estimated remaining funds due at closing
$395,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$381,567.57
Your down payment$381,567.57
Closing costs + prepaids$13,726.00
Total buyer cash needed$395,293.57
Remaining funds due$395,293.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,599.00
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)$1,031.50
Initial HOA (3 months)$291.00
Prepaid interest, first (24 days)$329.50
Fees + prepaids$13,726.00
Your down payment is the seller’s equity. You take over the $178,332 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $395,293.57 is due at closing. Uses and sources reconcile at $573,626.00 each. Not a Closing Disclosure.