Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$432,441Cash toward the purchase price.
Closing costs + prepaids$13,019Not just lender fees.
Before credits & paid funds$445,460The complete starting cash picture.
Estimated remaining funds due at closing
$445,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$432,441.41
Your down payment$432,441.41
Closing costs + prepaids$13,018.95
Total buyer cash needed$445,460.37
Remaining funds due$445,460.37
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)$876.50
Initial HOA (3 months)$45.00
Prepaid interest, first (2 days)$32.45
Fees + prepaids$13,018.95
Your down payment is the seller’s equity. You take over the $126,559 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $445,460.37 is due at closing. Uses and sources reconcile at $572,018.95 each. Not a Closing Disclosure.