Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$541,643Cash toward the purchase price.
Closing costs + prepaids$17,919Not just lender fees.
Before credits & paid funds$559,562The complete starting cash picture.
Estimated remaining funds due at closing
$559,562No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$541,643.34
Your down payment$541,643.34
Closing costs + prepaids$17,918.94
Total buyer cash needed$559,562.29
Remaining funds due$559,562.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,469.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,157.00
Initial HOA (3 months)$150.00
Prepaid interest, first (28 days)$917.94
Fees + prepaids$17,918.94
Your down payment is the seller’s equity. You take over the $305,257 balance, so the rest of the $846,900 price is paid at closing. A second mortgage can cover part of it. $559,562.29 is due at closing. Uses and sources reconcile at $864,818.94 each. Not a Closing Disclosure.