Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$419,283Cash toward the purchase price.
Closing costs + prepaids$14,914Not just lender fees.
Before credits & paid funds$434,197The complete starting cash picture.
Estimated remaining funds due at closing
$434,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$419,282.99
Your down payment$419,282.99
Closing costs + prepaids$14,914.43
Total buyer cash needed$434,197.41
Remaining funds due$434,197.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.99
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)$1,375.00
Initial HOA (3 months)$1,275.00
Prepaid interest, first (18 days)$289.44
Fees + prepaids$14,914.43
Your down payment is the seller’s equity. You take over the $130,716 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $434,197.41 is due at closing. Uses and sources reconcile at $564,913.43 each. Not a Closing Disclosure.