Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$384,051Cash toward the purchase price.
Closing costs + prepaids$13,283Not just lender fees.
Before credits & paid funds$397,334The complete starting cash picture.
Estimated remaining funds due at closing
$397,334No 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$13,282.77
Total buyer cash needed$397,334.22
Remaining funds due$397,334.22
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 (19 days)$477.02
Fees + prepaids$13,282.77
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. $397,334.22 is due at closing. Uses and sources reconcile at $553,182.77 each. Not a Closing Disclosure.