Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$527,783Cash toward the purchase price.
Closing costs + prepaids$13,680Not just lender fees.
Before credits & paid funds$541,463The complete starting cash picture.
Estimated remaining funds due at closing
$541,463No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$527,783.14
Your down payment$527,783.14
Closing costs + prepaids$13,679.63
Total buyer cash needed$541,462.78
Remaining funds due$541,462.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,500.00
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)$1,608.00
Prepaid interest, first (28 days)$96.63
Fees + prepaids$13,679.63
Your down payment is the seller’s equity. You take over the $22,217 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $541,462.78 is due at closing. Uses and sources reconcile at $563,679.63 each. Not a Closing Disclosure.