Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$519,752Cash toward the purchase price.
Closing costs + prepaids$14,453Not just lender fees.
Before credits & paid funds$534,205The complete starting cash picture.
Estimated remaining funds due at closing
$534,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$519,752.11
Your down payment$519,752.11
Closing costs + prepaids$14,453.02
Total buyer cash needed$534,205.13
Remaining funds due$534,205.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,800.00
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)$1,450.00
Initial HOA (3 months)$480.00
Prepaid interest, first (22 days)$248.02
Fees + prepaids$14,453.02
Your down payment is the seller’s equity. You take over the $60,248 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $534,205.13 is due at closing. Uses and sources reconcile at $594,453.02 each. Not a Closing Disclosure.