Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$547,602Cash toward the purchase price.
Closing costs + prepaids$16,947Not just lender fees.
Before credits & paid funds$564,548The complete starting cash picture.
Estimated remaining funds due at closing
$564,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$547,601.78
Your down payment$547,601.78
Closing costs + prepaids$16,946.65
Total buyer cash needed$564,548.44
Remaining funds due$564,548.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,690.00
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)$922.75
Initial HOA (3 months)$900.00
Prepaid interest, first (12 days)$208.90
Fees + prepaids$16,946.65
Your down payment is the seller’s equity. You take over the $221,398 balance, so the rest of the $769,000 price is paid at closing. A second mortgage can cover part of it. $564,548.44 is due at closing. Uses and sources reconcile at $785,946.65 each. Not a Closing Disclosure.