Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$426,245Cash toward the purchase price.
Closing costs + prepaids$13,966Not just lender fees.
Before credits & paid funds$440,210The complete starting cash picture.
Estimated remaining funds due at closing
$440,210No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$426,244.56
Your down payment$426,244.56
Closing costs + prepaids$13,965.65
Total buyer cash needed$440,210.21
Remaining funds due$440,210.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,620.00
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)$674.50
Initial HOA (3 months)$1,002.00
Prepaid interest, first (12 days)$194.15
Fees + prepaids$13,965.65
Your down payment is the seller’s equity. You take over the $135,755 balance, so the rest of the $562,000 price is paid at closing. A second mortgage can cover part of it. $440,210.21 is due at closing. Uses and sources reconcile at $575,965.65 each. Not a Closing Disclosure.