Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$559,613Cash toward the purchase price.
Closing costs + prepaids$12,936Not just lender fees.
Before credits & paid funds$572,549The complete starting cash picture.
Estimated remaining funds due at closing
$572,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$559,612.78
Your down payment$559,612.78
Closing costs + prepaids$12,936.23
Total buyer cash needed$572,549.01
Remaining funds due$572,549.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,700.00
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)$712.50
Initial HOA (3 months)$21.24
Prepaid interest, first (14 days)$27.49
Fees + prepaids$12,936.23
Your down payment is the seller’s equity. You take over the $10,387 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $572,549.01 is due at closing. Uses and sources reconcile at $582,936.23 each. Not a Closing Disclosure.