Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$530,364Cash toward the purchase price.
Closing costs + prepaids$12,238Not just lender fees.
Before credits & paid funds$542,603The complete starting cash picture.
Estimated remaining funds due at closing
$542,603No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$530,364.31
Your down payment$530,364.31
Closing costs + prepaids$12,238.43
Total buyer cash needed$542,602.75
Remaining funds due$542,602.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,400.00
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)$350.25
Prepaid interest, first (22 days)$13.18
Fees + prepaids$12,238.43
Your down payment is the seller’s equity. You take over the $9,636 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $542,602.75 is due at closing. Uses and sources reconcile at $552,238.43 each. Not a Closing Disclosure.