Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$567,101Cash toward the purchase price.
Closing costs + prepaids$16,463Not just lender fees.
Before credits & paid funds$583,565The complete starting cash picture.
Estimated remaining funds due at closing
$583,565No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$567,101.37
Your down payment$567,101.37
Closing costs + prepaids$16,463.14
Total buyer cash needed$583,564.51
Remaining funds due$583,564.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,290.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$797.25
Initial HOA (3 months)$429.00
Prepaid interest, first (31 days)$721.89
Fees + prepaids$16,463.14
Your down payment is the seller’s equity. You take over the $161,899 balance, so the rest of the $729,000 price is paid at closing. A second mortgage can cover part of it. $583,564.51 is due at closing. Uses and sources reconcile at $745,463.14 each. Not a Closing Disclosure.