Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$559,524Cash toward the purchase price.
Closing costs + prepaids$12,937Not just lender fees.
Before credits & paid funds$572,461The complete starting cash picture.
Estimated remaining funds due at closing
$572,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$559,523.99
Your down payment$559,523.99
Closing costs + prepaids$12,936.99
Total buyer cash needed$572,460.98
Remaining funds due$572,460.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$672.00
Initial HOA (3 months)$189.00
Prepaid interest, first (10 days)$0.99
Fees + prepaids$12,936.99
Your down payment is the seller’s equity. You take over the $476 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $572,460.98 is due at closing. Uses and sources reconcile at $572,936.99 each. Not a Closing Disclosure.