Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$520,839Cash toward the purchase price.
Closing costs + prepaids$15,453Not just lender fees.
Before credits & paid funds$536,292The complete starting cash picture.
Estimated remaining funds due at closing
$536,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$520,839.10
Your down payment$520,839.10
Closing costs + prepaids$15,453.31
Total buyer cash needed$536,292.42
Remaining funds due$536,292.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,390.00
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)$2,446.75
Initial HOA (3 months)$129.00
Prepaid interest, first (1 days)$12.56
Fees + prepaids$15,453.31
Your down payment is the seller’s equity. You take over the $118,161 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $536,292.42 is due at closing. Uses and sources reconcile at $654,453.31 each. Not a Closing Disclosure.