Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$515,886Cash toward the purchase price.
Closing costs + prepaids$13,472Not just lender fees.
Before credits & paid funds$529,358The complete starting cash picture.
Estimated remaining funds due at closing
$529,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$515,885.63
Your down payment$515,885.63
Closing costs + prepaids$13,472.09
Total buyer cash needed$529,357.72
Remaining funds due$529,357.72
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)$1,425.75
Prepaid interest, first (27 days)$72.34
Fees + prepaids$13,472.09
Your down payment is the seller’s equity. You take over the $34,014 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $529,357.72 is due at closing. Uses and sources reconcile at $563,372.09 each. Not a Closing Disclosure.