Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$514,951Cash toward the purchase price.
Closing costs + prepaids$14,895Not just lender fees.
Before credits & paid funds$529,846The complete starting cash picture.
Estimated remaining funds due at closing
$529,846No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$514,951.28
Your down payment$514,951.28
Closing costs + prepaids$14,895.15
Total buyer cash needed$529,846.43
Remaining funds due$529,846.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,590.00
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)$1,397.50
Initial HOA (3 months)$1,425.00
Prepaid interest, first (2 days)$7.65
Fees + prepaids$14,895.15
Your down payment is the seller’s equity. You take over the $44,049 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $529,846.43 is due at closing. Uses and sources reconcile at $573,895.15 each. Not a Closing Disclosure.