Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$408,693Cash toward the purchase price.
Closing costs + prepaids$13,196Not just lender fees.
Before credits & paid funds$421,889The complete starting cash picture.
Estimated remaining funds due at closing
$421,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$408,692.54
Your down payment$408,692.54
Closing costs + prepaids$13,196.45
Total buyer cash needed$421,888.99
Remaining funds due$421,888.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,649.00
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)$678.00
Initial HOA (3 months)$150.00
Prepaid interest, first (12 days)$244.45
Fees + prepaids$13,196.45
Your down payment is the seller’s equity. You take over the $156,207 balance, so the rest of the $564,900 price is paid at closing. A second mortgage can cover part of it. $421,888.99 is due at closing. Uses and sources reconcile at $578,096.45 each. Not a Closing Disclosure.