Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$420,929Cash toward the purchase price.
Closing costs + prepaids$13,710Not just lender fees.
Before credits & paid funds$434,639The complete starting cash picture.
Estimated remaining funds due at closing
$434,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$420,928.87
Your down payment$420,928.87
Closing costs + prepaids$13,710.08
Total buyer cash needed$434,638.95
Remaining funds due$434,638.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,749.00
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)$1,124.25
Initial HOA (3 months)$345.00
Prepaid interest, first (1 days)$16.83
Fees + prepaids$13,710.08
Your down payment is the seller’s equity. You take over the $153,971 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $434,638.95 is due at closing. Uses and sources reconcile at $588,610.08 each. Not a Closing Disclosure.