Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$505,442Cash toward the purchase price.
Closing costs + prepaids$15,154Not just lender fees.
Before credits & paid funds$520,597The complete starting cash picture.
Estimated remaining funds due at closing
$520,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$505,442.41
Your down payment$505,442.41
Closing costs + prepaids$15,154.49
Total buyer cash needed$520,596.91
Remaining funds due$520,596.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,490.00
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)$1,372.50
Initial HOA (3 months)$1,800.00
Prepaid interest, first (2 days)$16.99
Fees + prepaids$15,154.49
Your down payment is the seller’s equity. You take over the $43,558 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $520,596.91 is due at closing. Uses and sources reconcile at $564,154.49 each. Not a Closing Disclosure.