Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$565,737Cash toward the purchase price.
Closing costs + prepaids$13,792Not just lender fees.
Before credits & paid funds$579,529The complete starting cash picture.
Estimated remaining funds due at closing
$579,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$565,736.63
Your down payment$565,736.63
Closing costs + prepaids$13,792.31
Total buyer cash needed$579,528.94
Remaining funds due$579,528.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,800.00
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)$1,450.00
Prepaid interest, first (25 days)$67.31
Fees + prepaids$13,792.31
Your down payment is the seller’s equity. You take over the $14,263 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $579,528.94 is due at closing. Uses and sources reconcile at $593,792.31 each. Not a Closing Disclosure.