Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$429,283Cash toward the purchase price.
Closing costs + prepaids$15,216Not just lender fees.
Before credits & paid funds$444,499The complete starting cash picture.
Estimated remaining funds due at closing
$444,499No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$429,282.99
Your down payment$429,282.99
Closing costs + prepaids$15,216.31
Total buyer cash needed$444,499.29
Remaining funds due$444,499.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,599.99
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)$1,400.00
Initial HOA (3 months)$1,275.00
Prepaid interest, first (29 days)$466.32
Fees + prepaids$15,216.31
Your down payment is the seller’s equity. You take over the $130,716 balance, so the rest of the $559,999 price is paid at closing. A second mortgage can cover part of it. $444,499.29 is due at closing. Uses and sources reconcile at $575,215.31 each. Not a Closing Disclosure.