Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$539,676Cash toward the purchase price.
Closing costs + prepaids$13,390Not just lender fees.
Before credits & paid funds$553,066The complete starting cash picture.
Estimated remaining funds due at closing
$553,066No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$539,676.10
Your down payment$539,676.10
Closing costs + prepaids$13,389.60
Total buyer cash needed$553,065.71
Remaining funds due$553,065.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.99
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)$1,375.00
Prepaid interest, first (23 days)$39.61
Fees + prepaids$13,389.60
Your down payment is the seller’s equity. You take over the $10,323 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $553,065.71 is due at closing. Uses and sources reconcile at $563,388.60 each. Not a Closing Disclosure.