Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$523,120Cash toward the purchase price.
Closing costs + prepaids$13,944Not just lender fees.
Before credits & paid funds$537,064The complete starting cash picture.
Estimated remaining funds due at closing
$537,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$523,119.82
Your down payment$523,119.82
Closing costs + prepaids$13,943.69
Total buyer cash needed$537,063.52
Remaining funds due$537,063.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,297.00
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)$755.75
Initial HOA (3 months)$200.01
Prepaid interest, first (17 days)$215.93
Fees + prepaids$13,943.69
Your down payment is the seller’s equity. You take over the $106,580 balance, so the rest of the $629,700 price is paid at closing. A second mortgage can cover part of it. $537,063.52 is due at closing. Uses and sources reconcile at $643,643.69 each. Not a Closing Disclosure.