Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$428,947Cash toward the purchase price.
Closing costs + prepaids$13,672Not just lender fees.
Before credits & paid funds$442,619The complete starting cash picture.
Estimated remaining funds due at closing
$442,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$428,947.00
Your down payment$428,947.00
Closing costs + prepaids$13,672.19
Total buyer cash needed$442,619.19
Remaining funds due$442,619.19
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)$893.00
Initial HOA (3 months)$174.00
Prepaid interest, first (23 days)$430.19
Fees + prepaids$13,672.19
Your down payment is the seller’s equity. You take over the $141,053 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $442,619.19 is due at closing. Uses and sources reconcile at $583,672.19 each. Not a Closing Disclosure.