Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$401,530Cash toward the purchase price.
Closing costs + prepaids$12,799Not just lender fees.
Before credits & paid funds$414,330The complete starting cash picture.
Estimated remaining funds due at closing
$414,330No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$401,530.42
Your down payment$401,530.42
Closing costs + prepaids$12,799.13
Total buyer cash needed$414,329.55
Remaining funds due$414,329.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.00
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)$557.75
Initial HOA (3 months)$330.00
Prepaid interest, first (2 days)$37.38
Fees + prepaids$12,799.13
Your down payment is the seller’s equity. You take over the $138,370 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $414,329.55 is due at closing. Uses and sources reconcile at $552,699.13 each. Not a Closing Disclosure.