Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$510,458Cash toward the purchase price.
Closing costs + prepaids$14,132Not just lender fees.
Before credits & paid funds$524,590The complete starting cash picture.
Estimated remaining funds due at closing
$524,590No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$510,457.92
Your down payment$510,457.92
Closing costs + prepaids$14,131.68
Total buyer cash needed$524,589.60
Remaining funds due$524,589.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$1,374.75
Initial HOA (3 months)$579.00
Prepaid interest, first (28 days)$203.93
Fees + prepaids$14,131.68
Your down payment is the seller’s equity. You take over the $39,442 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $524,589.60 is due at closing. Uses and sources reconcile at $564,031.68 each. Not a Closing Disclosure.