Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$521,404Cash toward the purchase price.
Closing costs + prepaids$15,728Not just lender fees.
Before credits & paid funds$537,132The complete starting cash picture.
Estimated remaining funds due at closing
$537,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$521,404.15
Your down payment$521,404.15
Closing costs + prepaids$15,728.26
Total buyer cash needed$537,132.41
Remaining funds due$537,132.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,390.00
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)$2,446.75
Initial HOA (3 months)$129.00
Prepaid interest, first (23 days)$287.51
Fees + prepaids$15,728.26
Your down payment is the seller’s equity. You take over the $117,596 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $537,132.41 is due at closing. Uses and sources reconcile at $654,728.26 each. Not a Closing Disclosure.