Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$535,497Cash toward the purchase price.
Closing costs + prepaids$13,351Not just lender fees.
Before credits & paid funds$548,848The complete starting cash picture.
Estimated remaining funds due at closing
$548,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$535,497.08
Your down payment$535,497.08
Closing costs + prepaids$13,350.82
Total buyer cash needed$548,847.90
Remaining funds due$548,847.90
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)$1,374.75
Prepaid interest, first (1 days)$2.07
Fees + prepaids$13,350.82
Your down payment is the seller’s equity. You take over the $14,403 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $548,847.90 is due at closing. Uses and sources reconcile at $563,250.82 each. Not a Closing Disclosure.