Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$524,001Cash toward the purchase price.
Closing costs + prepaids$12,910Not just lender fees.
Before credits & paid funds$536,912The complete starting cash picture.
Estimated remaining funds due at closing
$536,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$524,001.14
Your down payment$524,001.14
Closing costs + prepaids$12,910.42
Total buyer cash needed$536,911.56
Remaining funds due$536,911.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,450.00
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)$813.75
Initial HOA (3 months)$74.01
Prepaid interest, first (25 days)$97.66
Fees + prepaids$12,910.42
Your down payment is the seller’s equity. You take over the $20,999 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $536,911.56 is due at closing. Uses and sources reconcile at $557,910.42 each. Not a Closing Disclosure.