Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$418,511Cash toward the purchase price.
Closing costs + prepaids$13,474Not just lender fees.
Before credits & paid funds$431,984The complete starting cash picture.
Estimated remaining funds due at closing
$431,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$418,510.58
Your down payment$418,510.58
Closing costs + prepaids$13,473.67
Total buyer cash needed$431,984.25
Remaining funds due$431,984.25
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)$634.75
Initial HOA (3 months)$180.00
Prepaid interest, first (30 days)$693.92
Fees + prepaids$13,473.67
Your down payment is the seller’s equity. You take over the $130,489 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $431,984.25 is due at closing. Uses and sources reconcile at $562,473.67 each. Not a Closing Disclosure.