Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$547,602Cash toward the purchase price.
Closing costs + prepaids$17,423Not just lender fees.
Before credits & paid funds$565,025The complete starting cash picture.
Estimated remaining funds due at closing
$565,025No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$547,601.78
Your down payment$547,601.78
Closing costs + prepaids$17,423.12
Total buyer cash needed$565,024.91
Remaining funds due$565,024.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,690.00
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)$1,155.50
Initial HOA (3 months)$900.00
Prepaid interest, first (26 days)$452.62
Fees + prepaids$17,423.12
Your down payment is the seller’s equity. You take over the $221,398 balance, so the rest of the $769,000 price is paid at closing. A second mortgage can cover part of it. $565,024.91 is due at closing. Uses and sources reconcile at $786,423.12 each. Not a Closing Disclosure.