Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$382,210Cash toward the purchase price.
Closing costs + prepaids$13,819Not just lender fees.
Before credits & paid funds$396,029The complete starting cash picture.
Estimated remaining funds due at closing
$396,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,209.75
Your down payment$382,209.75
Closing costs + prepaids$13,819.28
Total buyer cash needed$396,029.03
Remaining funds due$396,029.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,850.00
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)$615.25
Initial HOA (3 months)$315.00
Prepaid interest, first (27 days)$564.03
Fees + prepaids$13,819.28
Your down payment is the seller’s equity. You take over the $202,790 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $396,029.03 is due at closing. Uses and sources reconcile at $598,819.28 each. Not a Closing Disclosure.