Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$540,415Cash toward the purchase price.
Closing costs + prepaids$13,889Not just lender fees.
Before credits & paid funds$554,303The complete starting cash picture.
Estimated remaining funds due at closing
$554,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$540,414.69
Your down payment$540,414.69
Closing costs + prepaids$13,888.74
Total buyer cash needed$554,303.43
Remaining funds due$554,303.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.99
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)$780.00
Prepaid interest, first (9 days)$133.75
Fees + prepaids$13,888.74
Your down payment is the seller’s equity. You take over the $109,584 balance, so the rest of the $649,999 price is paid at closing. A second mortgage can cover part of it. $554,303.43 is due at closing. Uses and sources reconcile at $663,887.74 each. Not a Closing Disclosure.