Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$202,287Cash toward the purchase price.
Closing costs + prepaids$13,303Not just lender fees.
Before credits & paid funds$215,591The complete starting cash picture.
Estimated remaining funds due at closing
$215,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,287.48
Your down payment$202,287.48
Closing costs + prepaids$13,303.05
Total buyer cash needed$215,590.54
Remaining funds due$215,590.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.00
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)$577.50
Initial HOA (3 months)$411.00
Prepaid interest, first (1 days)$40.55
Fees + prepaids$13,303.05
Your down payment is the seller’s equity. You take over the $377,613 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $215,590.54 is due at closing. Uses and sources reconcile at $593,203.05 each. Not a Closing Disclosure.