Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$427,282Cash toward the purchase price.
Closing costs + prepaids$14,097Not just lender fees.
Before credits & paid funds$441,379The complete starting cash picture.
Estimated remaining funds due at closing
$441,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$427,281.83
Your down payment$427,281.83
Closing costs + prepaids$14,096.74
Total buyer cash needed$441,378.56
Remaining funds due$441,378.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,500.00
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)$1,972.00
Initial HOA (3 months)$116.25
Prepaid interest, first (2 days)$33.49
Fees + prepaids$14,096.74
Your down payment is the seller’s equity. You take over the $122,718 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $441,378.56 is due at closing. Uses and sources reconcile at $564,096.74 each. Not a Closing Disclosure.