Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$542,195Cash toward the purchase price.
Closing costs + prepaids$13,878Not just lender fees.
Before credits & paid funds$556,073The complete starting cash picture.
Estimated remaining funds due at closing
$556,073No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$542,194.95
Your down payment$542,194.95
Closing costs + prepaids$13,878.07
Total buyer cash needed$556,073.02
Remaining funds due$556,073.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,359.00
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)$763.00
Initial HOA (3 months)$99.00
Prepaid interest, first (12 days)$182.07
Fees + prepaids$13,878.07
Your down payment is the seller’s equity. You take over the $93,705 balance, so the rest of the $635,900 price is paid at closing. A second mortgage can cover part of it. $556,073.02 is due at closing. Uses and sources reconcile at $649,778.07 each. Not a Closing Disclosure.