Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$576,111Cash toward the purchase price.
Closing costs + prepaids$23,376Not just lender fees.
Before credits & paid funds$599,487The complete starting cash picture.
Estimated remaining funds due at closing
$599,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$576,110.74
Your down payment$576,110.74
Closing costs + prepaids$23,375.86
Total buyer cash needed$599,486.59
Remaining funds due$599,486.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,490.00
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)$2,872.50
Prepaid interest, first (27 days)$1,788.36
Fees + prepaids$23,375.86
Your down payment is the seller’s equity. You take over the $572,889 balance, so the rest of the $1,149,000 price is paid at closing. A second mortgage can cover part of it. $599,486.59 is due at closing. Uses and sources reconcile at $1,172,375.86 each. Not a Closing Disclosure.