Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$392,448Cash toward the purchase price.
Closing costs + prepaids$13,331Not just lender fees.
Before credits & paid funds$405,780The complete starting cash picture.
Estimated remaining funds due at closing
$405,780No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$392,448.26
Your down payment$392,448.26
Closing costs + prepaids$13,331.43
Total buyer cash needed$405,779.69
Remaining funds due$405,779.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,899.00
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)$708.00
Initial HOA (3 months)$129.99
Prepaid interest, first (6 days)$119.44
Fees + prepaids$13,331.43
Your down payment is the seller’s equity. You take over the $197,452 balance, so the rest of the $589,900 price is paid at closing. A second mortgage can cover part of it. $405,779.69 is due at closing. Uses and sources reconcile at $603,231.43 each. Not a Closing Disclosure.