Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$534,281Cash toward the purchase price.
Closing costs + prepaids$12,405Not just lender fees.
Before credits & paid funds$546,686The complete starting cash picture.
Estimated remaining funds due at closing
$546,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$534,280.90
Your down payment$534,280.90
Closing costs + prepaids$12,405.43
Total buyer cash needed$546,686.33
Remaining funds due$546,686.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$399.50
Initial HOA (3 months)$176.01
Prepaid interest, first (31 days)$4.92
Fees + prepaids$12,405.43
Your down payment is the seller’s equity. You take over the $719 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $546,686.33 is due at closing. Uses and sources reconcile at $547,405.43 each. Not a Closing Disclosure.