Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$519,928Cash toward the purchase price.
Closing costs + prepaids$12,731Not just lender fees.
Before credits & paid funds$532,658The complete starting cash picture.
Estimated remaining funds due at closing
$532,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$519,927.50
Your down payment$519,927.50
Closing costs + prepaids$12,730.97
Total buyer cash needed$532,658.47
Remaining funds due$532,658.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$649.25
Prepaid interest, first (2 days)$6.72
Fees + prepaids$12,730.97
Your down payment is the seller’s equity. You take over the $40,072 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $532,658.47 is due at closing. Uses and sources reconcile at $572,730.97 each. Not a Closing Disclosure.