Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$381,960Cash toward the purchase price.
Closing costs + prepaids$14,396Not just lender fees.
Before credits & paid funds$396,356The complete starting cash picture.
Estimated remaining funds due at closing
$396,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$381,959.92
Your down payment$381,959.92
Closing costs + prepaids$14,395.91
Total buyer cash needed$396,355.83
Remaining funds due$396,355.83
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)$1,500.00
Prepaid interest, first (26 days)$420.91
Fees + prepaids$14,395.91
Your down payment is the seller’s equity. You take over the $218,040 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $396,355.83 is due at closing. Uses and sources reconcile at $614,395.91 each. Not a Closing Disclosure.