Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$386,224Cash toward the purchase price.
Closing costs + prepaids$13,352Not just lender fees.
Before credits & paid funds$399,576The complete starting cash picture.
Estimated remaining funds due at closing
$399,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$386,223.99
Your down payment$386,223.99
Closing costs + prepaids$13,352.47
Total buyer cash needed$399,576.46
Remaining funds due$399,576.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,400.00
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)$751.75
Initial HOA (3 months)$240.00
Prepaid interest, first (27 days)$485.72
Fees + prepaids$13,352.47
Your down payment is the seller’s equity. You take over the $153,776 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $399,576.46 is due at closing. Uses and sources reconcile at $553,352.47 each. Not a Closing Disclosure.