Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$559,524Cash toward the purchase price.
Closing costs + prepaids$13,091Not just lender fees.
Before credits & paid funds$572,615The complete starting cash picture.
Estimated remaining funds due at closing
$572,615No 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$13,091.31
Total buyer cash needed$572,615.31
Remaining funds due$572,615.31
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)$824.25
Initial HOA (3 months)$189.00
Prepaid interest, first (31 days)$3.06
Fees + prepaids$13,091.31
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. $572,615.31 is due at closing. Uses and sources reconcile at $573,091.31 each. Not a Closing Disclosure.