Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$523,120Cash toward the purchase price.
Closing costs + prepaids$14,384Not just lender fees.
Before credits & paid funds$537,504The complete starting cash picture.
Estimated remaining funds due at closing
$537,504No 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$14,384.07
Total buyer cash needed$537,503.89
Remaining funds due$537,503.89
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)$1,031.00
Initial HOA (3 months)$200.01
Prepaid interest, first (30 days)$381.06
Fees + prepaids$14,384.07
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. $537,503.89 is due at closing. Uses and sources reconcile at $644,084.07 each. Not a Closing Disclosure.