Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$529,928Cash toward the purchase price.
Closing costs + prepaids$12,739Not just lender fees.
Before credits & paid funds$542,667The complete starting cash picture.
Estimated remaining funds due at closing
$542,667No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$529,928.36
Your down payment$529,928.36
Closing costs + prepaids$12,738.78
Total buyer cash needed$542,667.14
Remaining funds due$542,667.14
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)$569.50
Initial HOA (3 months)$99.99
Prepaid interest, first (28 days)$95.29
Fees + prepaids$12,738.78
Your down payment is the seller’s equity. You take over the $19,972 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $542,667.14 is due at closing. Uses and sources reconcile at $562,638.78 each. Not a Closing Disclosure.