Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$535,524Cash toward the purchase price.
Closing costs + prepaids$13,396Not just lender fees.
Before credits & paid funds$548,921The complete starting cash picture.
Estimated remaining funds due at closing
$548,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$535,524.39
Your down payment$535,524.39
Closing costs + prepaids$13,396.31
Total buyer cash needed$548,920.69
Remaining funds due$548,920.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$1,374.75
Prepaid interest, first (23 days)$47.56
Fees + prepaids$13,396.31
Your down payment is the seller’s equity. You take over the $14,376 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $548,920.69 is due at closing. Uses and sources reconcile at $563,296.31 each. Not a Closing Disclosure.