Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$541,560Cash toward the purchase price.
Closing costs + prepaids$12,637Not just lender fees.
Before credits & paid funds$554,197The complete starting cash picture.
Estimated remaining funds due at closing
$554,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$541,560.25
Your down payment$541,560.25
Closing costs + prepaids$12,637.15
Total buyer cash needed$554,197.39
Remaining funds due$554,197.39
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)$469.50
Prepaid interest, first (31 days)$102.65
Fees + prepaids$12,637.15
Your down payment is the seller’s equity. You take over the $17,440 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $554,197.39 is due at closing. Uses and sources reconcile at $571,637.15 each. Not a Closing Disclosure.