Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$573,909Cash toward the purchase price.
Closing costs + prepaids$19,883Not just lender fees.
Before credits & paid funds$593,792The complete starting cash picture.
Estimated remaining funds due at closing
$593,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$573,909.42
Your down payment$573,909.42
Closing costs + prepaids$19,883.06
Total buyer cash needed$593,792.48
Remaining funds due$593,792.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,750.00
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)$1,290.00
Initial HOA (3 months)$24.99
Prepaid interest, first (12 days)$593.07
Fees + prepaids$19,883.06
Your down payment is the seller’s equity. You take over the $501,091 balance, so the rest of the $1,075,000 price is paid at closing. A second mortgage can cover part of it. $593,792.48 is due at closing. Uses and sources reconcile at $1,094,883.06 each. Not a Closing Disclosure.