Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$391,987Cash toward the purchase price.
Closing costs + prepaids$13,166Not just lender fees.
Before credits & paid funds$405,154The complete starting cash picture.
Estimated remaining funds due at closing
$405,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$391,987.48
Your down payment$391,987.48
Closing costs + prepaids$13,166.25
Total buyer cash needed$405,153.73
Remaining funds due$405,153.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,700.00
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)$684.00
Prepaid interest, first (12 days)$307.25
Fees + prepaids$13,166.25
Your down payment is the seller’s equity. You take over the $178,013 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $405,153.73 is due at closing. Uses and sources reconcile at $583,166.25 each. Not a Closing Disclosure.