Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$529,075Cash toward the purchase price.
Closing costs + prepaids$19,340Not just lender fees.
Before credits & paid funds$548,415The complete starting cash picture.
Estimated remaining funds due at closing
$548,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$529,075.24
Your down payment$529,075.24
Closing costs + prepaids$19,340.04
Total buyer cash needed$548,415.28
Remaining funds due$548,415.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,994.44
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,249.25
Initial HOA (3 months)$285.00
Prepaid interest, first (13 days)$586.35
Fees + prepaids$19,340.04
Your down payment is the seller’s equity. You take over the $470,369 balance, so the rest of the $999,444 price is paid at closing. A second mortgage can cover part of it. $548,415.28 is due at closing. Uses and sources reconcile at $1,018,784.04 each. Not a Closing Disclosure.