Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$387,220Cash toward the purchase price.
Closing costs + prepaids$13,282Not just lender fees.
Before credits & paid funds$400,502The complete starting cash picture.
Estimated remaining funds due at closing
$400,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$387,220.07
Your down payment$387,220.07
Closing costs + prepaids$13,282.12
Total buyer cash needed$400,502.19
Remaining funds due$400,502.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,840.00
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)$700.75
Initial HOA (3 months)$158.01
Prepaid interest, first (10 days)$108.36
Fees + prepaids$13,282.12
Your down payment is the seller’s equity. You take over the $196,780 balance, so the rest of the $584,000 price is paid at closing. A second mortgage can cover part of it. $400,502.19 is due at closing. Uses and sources reconcile at $597,282.12 each. Not a Closing Disclosure.