Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$381,872Cash toward the purchase price.
Closing costs + prepaids$14,525Not just lender fees.
Before credits & paid funds$396,397The complete starting cash picture.
Estimated remaining funds due at closing
$396,397No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$381,871.71
Your down payment$381,871.71
Closing costs + prepaids$14,525.46
Total buyer cash needed$396,397.18
Remaining funds due$396,397.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,880.00
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)$1,699.25
Prepaid interest, first (28 days)$471.21
Fees + prepaids$14,525.46
Your down payment is the seller’s equity. You take over the $206,128 balance, so the rest of the $588,000 price is paid at closing. A second mortgage can cover part of it. $396,397.18 is due at closing. Uses and sources reconcile at $602,525.46 each. Not a Closing Disclosure.