Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$520,480Cash toward the purchase price.
Closing costs + prepaids$14,746Not just lender fees.
Before credits & paid funds$535,226The complete starting cash picture.
Estimated remaining funds due at closing
$535,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$520,480.02
Your down payment$520,480.02
Closing costs + prepaids$14,746.27
Total buyer cash needed$535,226.29
Remaining funds due$535,226.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.99
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)$2,002.25
Initial HOA (3 months)$78.75
Prepaid interest, first (22 days)$190.28
Fees + prepaids$14,746.27
Your down payment is the seller’s equity. You take over the $79,519 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $535,226.29 is due at closing. Uses and sources reconcile at $614,745.27 each. Not a Closing Disclosure.