Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$548,590Cash toward the purchase price.
Closing costs + prepaids$18,528Not just lender fees.
Before credits & paid funds$567,118The complete starting cash picture.
Estimated remaining funds due at closing
$567,118No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$548,590.23
Your down payment$548,590.23
Closing costs + prepaids$18,528.08
Total buyer cash needed$567,118.31
Remaining funds due$567,118.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,390.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,827.75
Initial HOA (3 months)$540.00
Prepaid interest, first (23 days)$545.33
Fees + prepaids$18,528.08
Your down payment is the seller’s equity. You take over the $290,410 balance, so the rest of the $839,000 price is paid at closing. A second mortgage can cover part of it. $567,118.31 is due at closing. Uses and sources reconcile at $857,528.08 each. Not a Closing Disclosure.