Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$387,220Cash toward the purchase price.
Closing costs + prepaids$13,271Not just lender fees.
Before credits & paid funds$400,491The complete starting cash picture.
Estimated remaining funds due at closing
$400,491No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$387,220.07
Your down payment$387,220.07
Closing costs + prepaids$13,271.29
Total buyer cash needed$400,491.36
Remaining funds due$400,491.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,840.00
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)$700.75
Initial HOA (3 months)$158.01
Prepaid interest, first (9 days)$97.53
Fees + prepaids$13,271.29
Your down payment is the seller’s equity. You take over the $196,780 balance, so the rest of the $584,000 price is paid at closing. A second mortgage can cover part of it. $400,491.36 is due at closing. Uses and sources reconcile at $597,271.29 each. Not a Closing Disclosure.