Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$384,051Cash toward the purchase price.
Closing costs + prepaids$13,088Not just lender fees.
Before credits & paid funds$397,140The complete starting cash picture.
Estimated remaining funds due at closing
$397,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$384,051.44
Your down payment$384,051.44
Closing costs + prepaids$13,088.07
Total buyer cash needed$397,139.51
Remaining funds due$397,139.51
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)$648.00
Initial HOA (3 months)$315.00
Prepaid interest, first (10 days)$251.07
Fees + prepaids$13,088.07
Your down payment is the seller’s equity. You take over the $155,849 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $397,139.51 is due at closing. Uses and sources reconcile at $552,988.07 each. Not a Closing Disclosure.