Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$492,318Cash toward the purchase price.
Closing costs + prepaids$14,505Not just lender fees.
Before credits & paid funds$506,823The complete starting cash picture.
Estimated remaining funds due at closing
$506,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$492,318.27
Your down payment$492,318.27
Closing costs + prepaids$14,504.64
Total buyer cash needed$506,822.90
Remaining funds due$506,822.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,400.00
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)$1,350.00
Initial HOA (3 months)$1,080.00
Prepaid interest, first (27 days)$199.64
Fees + prepaids$14,504.64
Your down payment is the seller’s equity. You take over the $47,682 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $506,822.90 is due at closing. Uses and sources reconcile at $554,504.64 each. Not a Closing Disclosure.