Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$533,567Cash toward the purchase price.
Closing costs + prepaids$12,401Not just lender fees.
Before credits & paid funds$545,967The complete starting cash picture.
Estimated remaining funds due at closing
$545,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$533,566.60
Your down payment$533,566.60
Closing costs + prepaids$12,400.83
Total buyer cash needed$545,967.42
Remaining funds due$545,967.42
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 (1 days)$0.32
Fees + prepaids$12,400.83
Your down payment is the seller’s equity. You take over the $1,433 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $545,967.42 is due at closing. Uses and sources reconcile at $547,400.83 each. Not a Closing Disclosure.