Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$415,794Cash toward the purchase price.
Closing costs + prepaids$13,190Not just lender fees.
Before credits & paid funds$428,985The complete starting cash picture.
Estimated remaining funds due at closing
$428,985No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$415,794.23
Your down payment$415,794.23
Closing costs + prepaids$13,190.40
Total buyer cash needed$428,984.63
Remaining funds due$428,984.63
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)$648.50
Initial HOA (3 months)$45.00
Prepaid interest, first (24 days)$522.90
Fees + prepaids$13,190.40
Your down payment is the seller’s equity. You take over the $134,106 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $428,984.63 is due at closing. Uses and sources reconcile at $563,090.40 each. Not a Closing Disclosure.