Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$544,164Cash toward the purchase price.
Closing costs + prepaids$13,892Not just lender fees.
Before credits & paid funds$558,057The complete starting cash picture.
Estimated remaining funds due at closing
$558,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$544,164.35
Your down payment$544,164.35
Closing costs + prepaids$13,892.42
Total buyer cash needed$558,056.76
Remaining funds due$558,056.76
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 (28 days)$167.42
Fees + prepaids$13,892.42
Your down payment is the seller’s equity. You take over the $35,836 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $558,056.76 is due at closing. Uses and sources reconcile at $593,892.42 each. Not a Closing Disclosure.