Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$496,421Cash toward the purchase price.
Closing costs + prepaids$13,652Not just lender fees.
Before credits & paid funds$510,074The complete starting cash picture.
Estimated remaining funds due at closing
$510,074No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$496,421.15
Your down payment$496,421.15
Closing costs + prepaids$13,652.48
Total buyer cash needed$510,073.63
Remaining funds due$510,073.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$1,400.00
Prepaid interest, first (23 days)$177.48
Fees + prepaids$13,652.48
Your down payment is the seller’s equity. You take over the $63,579 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $510,073.63 is due at closing. Uses and sources reconcile at $573,652.48 each. Not a Closing Disclosure.