Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$520,576Cash toward the purchase price.
Closing costs + prepaids$13,653Not just lender fees.
Before credits & paid funds$534,229The complete starting cash picture.
Estimated remaining funds due at closing
$534,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$520,576.07
Your down payment$520,576.07
Closing costs + prepaids$13,653.00
Total buyer cash needed$534,229.06
Remaining funds due$534,229.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,590.00
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)$1,397.50
Prepaid interest, first (26 days)$190.50
Fees + prepaids$13,653.00
Your down payment is the seller’s equity. You take over the $38,424 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $534,229.06 is due at closing. Uses and sources reconcile at $572,653.00 each. Not a Closing Disclosure.