Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$494,458Cash toward the purchase price.
Closing costs + prepaids$13,132Not just lender fees.
Before credits & paid funds$507,591The complete starting cash picture.
Estimated remaining funds due at closing
$507,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$494,458.36
Your down payment$494,458.36
Closing costs + prepaids$13,132.45
Total buyer cash needed$507,590.81
Remaining funds due$507,590.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,655.00
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)$678.50
Initial HOA (3 months)$174.00
Prepaid interest, first (12 days)$149.95
Fees + prepaids$13,132.45
Your down payment is the seller’s equity. You take over the $71,042 balance, so the rest of the $565,500 price is paid at closing. A second mortgage can cover part of it. $507,590.81 is due at closing. Uses and sources reconcile at $578,632.45 each. Not a Closing Disclosure.