Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$416,920Cash toward the purchase price.
Closing costs + prepaids$14,364Not just lender fees.
Before credits & paid funds$431,284The complete starting cash picture.
Estimated remaining funds due at closing
$431,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$416,919.84
Your down payment$416,919.84
Closing costs + prepaids$14,363.89
Total buyer cash needed$431,283.73
Remaining funds due$431,283.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,550.00
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)$1,876.00
Initial HOA (3 months)$60.00
Prepaid interest, first (25 days)$402.89
Fees + prepaids$14,363.89
Your down payment is the seller’s equity. You take over the $138,080 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $431,283.73 is due at closing. Uses and sources reconcile at $569,363.89 each. Not a Closing Disclosure.