Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$384,378Cash toward the purchase price.
Closing costs + prepaids$13,584Not just lender fees.
Before credits & paid funds$397,962The complete starting cash picture.
Estimated remaining funds due at closing
$397,962No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$384,377.83
Your down payment$384,377.83
Closing costs + prepaids$13,584.40
Total buyer cash needed$397,962.23
Remaining funds due$397,962.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,975.00
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)$701.50
Prepaid interest, first (22 days)$432.90
Fees + prepaids$13,584.40
Your down payment is the seller’s equity. You take over the $213,122 balance, so the rest of the $597,500 price is paid at closing. A second mortgage can cover part of it. $397,962.23 is due at closing. Uses and sources reconcile at $611,084.40 each. Not a Closing Disclosure.