Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$518,922Cash toward the purchase price.
Closing costs + prepaids$16,134Not just lender fees.
Before credits & paid funds$535,056The complete starting cash picture.
Estimated remaining funds due at closing
$535,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$518,921.92
Your down payment$518,921.92
Closing costs + prepaids$16,133.73
Total buyer cash needed$535,055.64
Remaining funds due$535,055.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,200.00
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)$1,550.00
Initial HOA (3 months)$1,440.00
Prepaid interest, first (26 days)$468.73
Fees + prepaids$16,133.73
Your down payment is the seller’s equity. You take over the $101,078 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $535,055.64 is due at closing. Uses and sources reconcile at $636,133.73 each. Not a Closing Disclosure.