Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$386,224Cash toward the purchase price.
Closing costs + prepaids$13,245Not just lender fees.
Before credits & paid funds$399,469The complete starting cash picture.
Estimated remaining funds due at closing
$399,469No 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$13,244.53
Total buyer cash needed$399,468.52
Remaining funds due$399,468.52
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 (21 days)$377.78
Fees + prepaids$13,244.53
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. $399,468.52 is due at closing. Uses and sources reconcile at $553,244.53 each. Not a Closing Disclosure.