Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$541,953Cash toward the purchase price.
Closing costs + prepaids$14,429Not just lender fees.
Before credits & paid funds$556,382The complete starting cash picture.
Estimated remaining funds due at closing
$556,382No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$541,953.30
Your down payment$541,953.30
Closing costs + prepaids$14,428.60
Total buyer cash needed$556,381.89
Remaining funds due$556,381.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,497.00
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)$947.75
Initial HOA (3 months)$1,470.00
Prepaid interest, first (26 days)$38.85
Fees + prepaids$14,428.60
Your down payment is the seller’s equity. You take over the $7,747 balance, so the rest of the $549,700 price is paid at closing. A second mortgage can cover part of it. $556,381.89 is due at closing. Uses and sources reconcile at $564,128.60 each. Not a Closing Disclosure.