Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$383,270Cash toward the purchase price.
Closing costs + prepaids$12,831Not just lender fees.
Before credits & paid funds$396,101The complete starting cash picture.
Estimated remaining funds due at closing
$396,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$383,270.23
Your down payment$383,270.23
Closing costs + prepaids$12,830.98
Total buyer cash needed$396,101.22
Remaining funds due$396,101.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.00
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)$616.75
Initial HOA (3 months)$315.00
Prepaid interest, first (1 days)$25.23
Fees + prepaids$12,830.98
Your down payment is the seller’s equity. You take over the $156,630 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $396,101.22 is due at closing. Uses and sources reconcile at $552,730.98 each. Not a Closing Disclosure.