Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$536,656Cash toward the purchase price.
Closing costs + prepaids$18,220Not just lender fees.
Before credits & paid funds$554,876The complete starting cash picture.
Estimated remaining funds due at closing
$554,876No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$536,656.07
Your down payment$536,656.07
Closing costs + prepaids$18,219.79
Total buyer cash needed$554,875.85
Remaining funds due$554,875.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,750.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,789.50
Initial HOA (3 months)$752.01
Prepaid interest, first (30 days)$703.28
Fees + prepaids$18,219.79
Your down payment is the seller’s equity. You take over the $238,344 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $554,875.85 is due at closing. Uses and sources reconcile at $793,219.79 each. Not a Closing Disclosure.