Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$515,813Cash toward the purchase price.
Closing costs + prepaids$14,974Not just lender fees.
Before credits & paid funds$530,787The complete starting cash picture.
Estimated remaining funds due at closing
$530,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$515,813.22
Your down payment$515,813.22
Closing costs + prepaids$14,973.77
Total buyer cash needed$530,786.98
Remaining funds due$530,786.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,590.00
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)$1,397.50
Initial HOA (3 months)$1,425.00
Prepaid interest, first (23 days)$86.27
Fees + prepaids$14,973.77
Your down payment is the seller’s equity. You take over the $43,187 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $530,786.98 is due at closing. Uses and sources reconcile at $573,973.77 each. Not a Closing Disclosure.