Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$398,020Cash toward the purchase price.
Closing costs + prepaids$13,567Not just lender fees.
Before credits & paid funds$411,587The complete starting cash picture.
Estimated remaining funds due at closing
$411,587No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$398,020.07
Your down payment$398,020.07
Closing costs + prepaids$13,567.19
Total buyer cash needed$411,587.26
Remaining funds due$411,587.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,948.00
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)$650.25
Initial HOA (3 months)$158.01
Prepaid interest, first (31 days)$335.93
Fees + prepaids$13,567.19
Your down payment is the seller’s equity. You take over the $196,780 balance, so the rest of the $594,800 price is paid at closing. A second mortgage can cover part of it. $411,587.26 is due at closing. Uses and sources reconcile at $608,367.19 each. Not a Closing Disclosure.