Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$532,897Cash toward the purchase price.
Closing costs + prepaids$12,806Not just lender fees.
Before credits & paid funds$545,703The complete starting cash picture.
Estimated remaining funds due at closing
$545,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$532,896.95
Your down payment$532,896.95
Closing costs + prepaids$12,805.62
Total buyer cash needed$545,702.58
Remaining funds due$545,702.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.90
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)$732.25
Prepaid interest, first (28 days)$98.47
Fees + prepaids$12,805.62
Your down payment is the seller’s equity. You take over the $17,093 balance, so the rest of the $549,990 price is paid at closing. A second mortgage can cover part of it. $545,702.58 is due at closing. Uses and sources reconcile at $562,795.62 each. Not a Closing Disclosure.