Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$391,828Cash toward the purchase price.
Closing costs + prepaids$13,099Not just lender fees.
Before credits & paid funds$404,927The complete starting cash picture.
Estimated remaining funds due at closing
$404,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$391,828.23
Your down payment$391,828.23
Closing costs + prepaids$13,099.07
Total buyer cash needed$404,927.29
Remaining funds due$404,927.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$564.75
Initial HOA (3 months)$90.00
Prepaid interest, first (1 days)$19.32
Fees + prepaids$13,099.07
Your down payment is the seller’s equity. You take over the $203,172 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $404,927.29 is due at closing. Uses and sources reconcile at $608,099.07 each. Not a Closing Disclosure.