Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$545,176Cash toward the purchase price.
Closing costs + prepaids$13,839Not just lender fees.
Before credits & paid funds$559,015The complete starting cash picture.
Estimated remaining funds due at closing
$559,015No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$545,175.91
Your down payment$545,175.91
Closing costs + prepaids$13,838.73
Total buyer cash needed$559,014.64
Remaining funds due$559,014.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,510.00
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)$1,377.50
Initial HOA (3 months)$450.00
Prepaid interest, first (24 days)$26.23
Fees + prepaids$13,838.73
Your down payment is the seller’s equity. You take over the $5,824 balance, so the rest of the $551,000 price is paid at closing. A second mortgage can cover part of it. $559,014.64 is due at closing. Uses and sources reconcile at $564,838.73 each. Not a Closing Disclosure.