Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$518,417Cash toward the purchase price.
Closing costs + prepaids$24,870Not just lender fees.
Before credits & paid funds$543,287The complete starting cash picture.
Estimated remaining funds due at closing
$543,287No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$518,416.65
Your down payment$518,416.65
Closing costs + prepaids$24,870.13
Total buyer cash needed$543,286.78
Remaining funds due$543,286.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,499.99
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)$2,875.00
Initial HOA (3 months)$1,899.00
Prepaid interest, first (28 days)$1,371.14
Fees + prepaids$24,870.13
Your down payment is the seller’s equity. You take over the $631,582 balance, so the rest of the $1,149,999 price is paid at closing. A second mortgage can cover part of it. $543,286.78 is due at closing. Uses and sources reconcile at $1,174,869.13 each. Not a Closing Disclosure.